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Okay, can we talk about how confusing weight loss has become? Like, one minute it's carbs are bad, and then the next it's no, actually, carbs are fine, but only if you walk 10,000 steps and drink a green juice. And honestly, it's just a lot. And then even if you do lose the weight, keeping it off is a whole different story. If you're struggling and want something that fits your real life, hers can help. It's designed to support you in reaching your goals in a way that actually fits your life. That's why weight loss by hers is getting so much attention right now. Hers connects you with licensed medical providers who create doctor developed treatment plans tailored to you. They offer access to an affordable range of FDA approved GLP1 medications, including the Wegovy pill and the Wegovy pen. It helps regulate your appetite so you eat less and keep the weight off. If you're ready to reach your goals and want to try something new, visit for hers.combert to get personalized affordable care that gets you. That's F O R h e r s.comb for hers.com Bert Weightliftsbyhurst is not available in all 50 states, but go via registered trademark of Novo Nordisk A S to get started and learn more, including important safety information with Gobi clinical study information and restrictions. Visit borhears.com the Burch show we have
Bert
been spending a lot of time on resolutions this this week. Yesterday was all about you folks that have been promising yourself that you're gonna stop smoking. Like Jen hobbies had the fight.
Jessica
Oh, yeah. It's a constant battle. You win some, you lose some, and then, you know, you're trying to figure out what is it that's gonna work? You know, is it gonna be some of those prescriptions that you hear about and you see a lot of ads for right now? Is it gonna be cold turkey, just willpower. But then yesterday we talked to Sean Wheeler, who's actually a hypnotist, and he's had a lot of success with his clients. So we talked of hypnotism and how it can help you stop smoking or lose weight or anything really.
Bert
And tomorrow we're going to talk more about losing weight. But a lot of you guys are fighting finances year after year after year. And you promise yourself this is the year that you're going to get out of debt or this is the year that you're going to organize your financing and you made that resolution 1990 and it didn't work. Then 91 and 92 and here we are. You still can't get it down. So we've brought West Moss in from Money Matters on News Talk 750 WSB to help you guys out with that. How you doing, Wes?
Wes Moss
Good morning. Great.
Jeff
Good. Thanks for having me.
Wes Moss
Yeah. Good to see you.
Bert
Things are going well for you since the reality TV show?
Wes Moss
Well, it's been a long time. Five years. From the Apprentice to now wsb, it's been kind of a long route, but a fun route.
Bert
Congratulations.
Wes Moss
Thank you.
Jeff
Were you in that first Apprentice?
Wes Moss
It was the first year, but it was the second season.
Jessica
Second season.
Bert
Okay. All right. So where do we even start? I think probably people are always feeling like they're in over their heads when it comes to debt. So if the New Year's resolution was, I'm getting myself out of debt debt this year, what is the first thing that I gotta do?
Wes Moss
I think so many people have resolutions in their head, but very, very few people actually write it down. And there is. This is something that I've just been doing for. Just naturally, since I think I was in college, is actually writing things down. I'll get confused about what I want to accomplish because I have so many things in my head. And the only way to get some clarity is to write it down. And there's so much power in the pen to actually get it on paper. There was this Harvard study. That's a fact. It's really kind of a neat. It's a fascinating money story where they took this graduating class from Harvard Business School and they asked them if they had clearly written goals, defined written goals, and 84% of people didn't have them. These are Harvard business school graduates. 13% had goals but didn't write them. And only 3% actually wrote them down. And they came back 10 years later and talked to these people about their careers. The 13% that actually had goals had double the income of the 84% that didn't.
Jessica
Wow.
Wes Moss
And the 3% that actually had written goals had 10 times the income of the rest of the 97%.
Jeff
So all we have to do is write our goals down and go to Harvard.
Wes Moss
If you can get into Harvard, it'd probably be a nice one, two combination.
Bert
So you write it down and you're really committed, but you're insecure because you don't know how to start. So where's the very first place you gotta go?
Wes Moss
Okay. So I meet with a lot of individuals that have figured out a way to get to retirement with. With enough money that they can actually stop working and That's a really hard thing for Americans to do. And they have a couple things in common.
Caller/Guest
They all.
Wes Moss
They all have a written budget. Okay. They all have never been a slave to debt or they figured out a way to get out of debt. And they all love their careers. So first, let's start with the budget side of it. There are a lot of easy websites and tools to get the budget started. There's mint.com which is really popular and very useful.
Jeff
She's talked about that.
Wes Moss
She loves it. Yep. So Mint's very good. You can go to Quicken and you can get free things from Quicken, and that can help keep track. But what I see, actually is better, and this is what I do, is to keep it really simple and just do it on your own Excel spreadsheet or your own piece of paper. I have people that I meet with all the time that have lots of money, have a million dollars or more, and they don't have fancy programs. They literally can fit everything in their financial life on a piece of paper, and they'll Write down the 15 things they spend money on. And that forces you to actually come up with and recognize everything you're spending your money on, as opposed to a program that says, hey, aren't you spending money here? Aren't you spending money here? So I think if you spend 30 minutes to write down your own budget, better if you can just go in and do it on. Excel is such an unbelievably powerful tool to keep your spending in check, and that is the key to all finances.
Bert
What if it's too late for me? I didn't keep my spending in check, and now I'm in debt, so where am I going?
Wes Moss
Okay, so you have to then figure out a way to first get out of debt. So people always think about, you have to invest, you have to be an investor, but you can't do that until you're one out of debt. Two, you've built your emergency fund. That emergency fund is six months to 12 months of cash. We always hear about, oh, go ahead and start investing right away. Well, I don't think you really should be investing until you're one out of debt. Two, the emergency fund is built up. In order to get out of debt, you need to list your credit cards. I think that rather than even paying the highest interest rate first, just get rid of the smallest credit card balance and then the next largest, and then the next largest, and work that down. And if it takes you two, three, five years, that's okay. But you have to get out from underwater before you can really start saving.
Bert
Okay, so I think that's good advice right there. So if you have a whole bunch of credit cards, you're saying, attack the lesser ones first, the least amount first, and then attack the bigger ones.
Wes Moss
Absolutely. Because you can see your progress if you do it that way. You always hear about saying, well, wait a minute, why don't I pay the 12% credit card debt before I. The 10% credit card debt. Right, well, that makes financial sense. But you really wouldn't have $10,000 in credit card debt at 15% anyway if you were really doing the math to begin with.
Jessica
Right. Math is not as important to you as seeing some sort of progress and chipping away at it.
Wes Moss
And that's exactly what I did when I was in my early 20s, coming out of college, incurring a whole lot of expenses, not recognizing the difference between what you make and actually what you keep after taxes. And that really helped me. And I remember it took a couple years to get out of debt and. But it's very, very powerful to do that.
Jessica
I think that it's about, I'm sorry, changing your spending too, don't you think? Like, we kind of have this mentality of I want it and I want it now. So that's how people get into credit card debt. So not only they have to pay them off, but they have to change the way they think about it.
Wes Moss
That's somewhat true. I think that we are, we are a penny sometimes a penny wise, pound foolish culture. Because you hear a lot about cutting back on little things. You always hear about the Starbucks coffee. You hear about spending too much money on a whole bunch of little things. And then you hear people that say that they are good budgeters and they brown bag it to work and they don't go to Starbucks, but then they have a $50,000 car. And you see, I think you see a whole lot of that or a million and a half dollar house. But they scrimp on everything else. You have to really look at the big things, the pennywise versus pound foolish. And in order to get your budget in line to begin with, what do
Jeff
you do when somebody walks into your office and is upside down in their house because of home equity that was so available a couple years ago?
Wes Moss
More than 25% of Americans are in that position. And what happens is that if you are underwater at a house, you either have to come to the table with money to close to get out of it. You have to make up the difference out of your pocket or you have to just continue to pay your mortgage and you become somewhat of a renter in your own home. However, it's okay. I think we need another cultural shift. I think that we've now recognized again is that houses are to live in, not to flip. And if you still like your house, who cares if you're 10% underwater? If your house is a $400,000 balance on the mortgage and it's worth 360,000, are you going to let it go back to the bank? No, you're going to keep, you should just keep paying it. If you love your home and raise your family there and eventually the housing market will come back and you won't be underwater. So un. You're just 50 or 60% underwater on a house, you really should continue to pay for it and live in the house like it was supposed to be lived in.
Bert
Here is Sarah. Good morning, Sarah. You are on with Wes Moss. He is the host of Money matters on Newstalk 750. What's going on?
Caller
I have a question. If you recently filed for bankruptcy and as you know on your credit report, it stays on there or I don't know if you know, but it's on your credit report for seven to 10 years. There are all kinds of avenues out there that say that they can help you repair your credit in a shorter period of time. Are any of those legit?
Wes Moss
No, they're not. Most of the time you get sucked in to paying high upfront fees and they really don't do a lot for you to repair. Your FICO score is just a long slog and it takes time. The only avenues you really can get help for getting your credit better is to go to Consumer Credit Counseling of Greater Atlanta, the non profit organization that will help you do that. And it just takes time. Don't think that someone can promise you for more money to get further into debt that can actually get your FICO squad.
Caller
We're completely out of debt now. We have no debt. That's the beauty about bankruptcy. We have no debt anymore.
Jeff
Oh, you just want to get it off your credit report.
Caller
We need to start fixing our credit report. That's all I need to do.
Wes Moss
Yeah, well, it's just going to take, it's going to take some time and you just want to make sure you don't get back into that same situation and, and it'll get better and better year after year after year.
Jessica
Do you recommend people giving, getting consolidation loans?
Wes Moss
I would say if it. I would only use that as a last Resort. I mean, it used to be so easy to, to do consolidation loans using your house as the asset. How many commercials did we used to hear a day about get out of debt? And what they were really pitching you on was pulling money out of your house and they would do the refinancing. Those are really mortgage companies. That's how they made their money. And then Americans found themselves upside down in their houses. So I'm a believer of keeping it really simple, going back to just figuring out a way to list down all your credit card debts and saving enough so that you can put that extra 50 or 100 or $200 a month to paying them down naturally.
Bert
Here is Kelly. Hey Kelly, Today we're spending some. No, we're not. We're spending some time on just talking about if your resolution this year is just to get your finances in order and get out of debt, how do you do that?
Jessica
Well, back to what that last caller said. Bankruptcy doesn't just eliminate your debt that follows you for a really long time. Right. And she acted like we went bankrupt. Now we don't have any debt anymore.
Caller
Woo hoo.
Jessica
You know, like that's not the case.
Jeff
Well, for 10 years, I mean, it does eliminate your debt, but for 10 years you have that on your credit report. There was a time, I think, where people like after you got, did the bankruptcy, a year later you could get money again because there was so much money available. I bet that's not the case anymore.
Wes Moss
That was economically a culture of easy credit so that as all the banks were trying to compete against each other, they each got more lackadaisical as years went on. So what happened is that the companies or corporations made money more and more readily available so that even if you file bankruptcy, one company would say you need to wait five years and then somebody went to four, and then three, and then all of a sudden you could go bankrupt and still get a loan within 30 days. That's changed though, okay? Completely changed. In fact, I'm still seeing lending standards probably too tight or too heavy. And I think that's going to start relaxing.
Bert
Here's George. Good morning, George. You're on The Birch Show. Q100.
Caller/Guest
Morning guys. How are you doing today?
Bert
Great, thank you.
Caller/Guest
Great. I have a question. I'm going to get laid off soon and companies give me a bonus, a nice bonus upon leaving. My question is, is it smarter to pay off my car, my car loan payment than what it is to pay off my credit card?
Wes Moss
What are, well, depends on the balance. What's the balance of the two. What are the interest rates?
Caller/Guest
The balance on my. On my car is about, I want to say, 18,000. Interest rates at 4.99.
Wes Moss
Okay.
Caller/Guest
The credit cards, if you put them both together, it's about the same thing. One's about 8,000, the other about 10,000. And each one has a low interest rate of 1.99 and 3.99. No. Yeah, 3.99.
Wes Moss
How much do you have? Six months of cash in the bank already. So that if you do not. Okay, so you do not. So then I wouldn't pay it off right now at all because you need liquidity. You need some cushion. I call it this sleep well at night money that absolutely you can get to at any time.
Jeff
I used to work with a radio guy who called it the FU fund.
Bert
Oh, yeah. So if you wanted to leave, you could say FU and take off.
Jeff
Yeah. It's a good thing to have.
Wes Moss
It absolutely is more than a financial tool. It's a peace of mind and not only will get you through a rough patch and a tough time, but it will also down the line, when you become an investor and you really start to invest in the markets over time, it makes you more patient because you know you have six months or a year of emergency money that you can get to at any time. So I would tell you, I would tell our caller to not pay anything off until you find a new job, then start paying off the debt, then start paying off the car.
Bert
Joy, wanted to know, does it affect your FICA score to close accounts?
Wes Moss
It does affect your FICO score to close accounts. So pay the balance down to zero and keep the card open.
Bert
Okay. We could do this for hours, but we can't. But Wes can, and he does actually on 750. His show is called Money Matters on News Talk 750. And it's on when?
Wes Moss
Sundays from 11 to. From 9 to 11 every Sunday morning.
Bert
There you go.
Jessica
And if you ever need any relationship advice or something like that, then you can have the Birch show on Sunday mornings.
Bert
I'm not getting up Sunday morning to do his show.
Caller
I'm sorry.
Bert
Thank, Wes. It's good to see you again. Thanks, guys. Take care.
Jeff
The bird show.
Advertisement Voice
Okay, can we talk about how confusing weight loss has become? Like, one minute it's carbs are bad, and then the next it's, no, actually, carbs are fine, but only if you walk 10,000 steps and drink a green juice. And honestly, it's just a lot. And then even if you do lose the weight, keeping it off is a whole different story Story if you're struggling and want something that fits your real life, hers can help. It's designed to support you in reaching your goals in a way that actually fits your life. That's why weight loss by hers is getting so much attention right now. Hers connects you with licensed medical providers who create doctor developed treatment plans tailored to you. They offer access to an affordable range of FDA approved GLP1 medications, including the Wobi Pill and the Wobi pen. It helps regulate your appetite so you eat less and keep the weight off. If you're ready to reach your goals and want to try something new, visit for hers.combert to get personalized affordable care that gets you that's f o r h e r s.com Bert Bor hers.com Bert Weightlift by hers is not available in all 50 states, but go registered trademark of Novo Nordisk A S get started and learn more, including important safety information with govi, clinical study information and restrictions. Visit borhearst.com the Birch Show I can't
Bert
wait to find out the story on how you actually found out about this.
Heather
Just first of all, I just want to say I'm so embarrassed.
Jeff
Why?
Heather
I was on Facebook and of course this is how I talk to most of my family nowadays. It's sad to say, but you know, some family members I don't get to see but once a year and this is one of them. And one of my cousins sent me a video and I'm like, oh, I haven't really seen this, you know, my third cousin.
Bert
What is the label on the video at this point? Is it, hey, catch up with your fam. What does it say that makes sense?
Heather
It comes right out and says it. It says nene cussing me out.
Bert
And who is Nene?
Heather
Nene is my third cousin and she looks to be about four. Like I said, I don't know her that well, so I don't know how old she is, but I'm guessing about four.
Jessica
And does she live here in Atlanta?
Heather
She lives in Manchester, which is like hour and a half south of here. Okay, so past Lagrange, if you know where that is. But yeah, I don't get to see him that much. And I looked at the video and like, oh my God. And it's not like, oh, she said but. Or she said something like damn or something. She is like going off. This little child is in the backseat of a car.
Jeff
She's using the F word, the F
Heather
word, the S word, the B word.
Bert
It's like Burt, during commercials, she dropped the GD word.
Caller
No way.
Advertisement Voice
A four year old.
Bert
Four years old. I'm gonna play the audio for you in a second with a bunch of peeps and stuff in it.
Jeff
And is everybody laughing at her?
Heather
And that's what makes it so bad. Who's ever recording it, because they never show who's recording it. They're just laughing, egging her on. You know, you're gonna get in trouble. It's so funny. No, it's not funny.
Jessica
Oh, my God.
Heather
And of course she keeps doing it because she doesn't know that it's wrong. Because you know, who's ever in the front seat, they're laughing.
Bert
And she learned it from her parents, obviously.
Heather
Obviously.
Jessica
And is this video being passed around your family?
Heather
Yes. I'm sure everybody that's on Facebook has seen it.
Bert
Is every anybody else, like, localized how upset they are about it?
Heather
Not in the comments. Because most of the people that are commenting on it are, I guess, her friends.
Jessica
And I think it's funny.
Heather
They think it's funny. It's hilarious, you know, laughing. My voice.
Jessica
So that's why the mom posted it, I guess, to be like, hey, everybody, look, this is so cute and funny.
Heather
They're her friends, so I guess they think it's funny. But I guess if, you know, my first cousin actually knew about it, I don't think she would think it's funny.
Jessica
Okay.
Heather
My brother, if he's seen it, I don't think he would think it's funny.
Jeff
We need to hear it. But generally speaking, kids cussing, it's funny.
Bert
This isn't funny because it goes on for so long and they're sort of egging around and laughing about it. Like if when a kid drops an accidental S bomb or something like that.
Heather
Yeah.
Bert
As a parent inside, you're sort of laughing, but you know, you have to correct the mistake.
Heather
But you want to let them know that it's funny.
Bert
Right. What you'll hear here is them being egged on to where it's almost. It's abusive. If you're letting a 4 year old.
Heather
I really am.
Bert
So the shot here is from the front seat and it's. The video is right on Natalie's cousin here, who's in like a. It's. I think she's in a child's seat. In the back seat.
Heather
Booster seat.
Jeff
Well, they got that going for him.
Caller/Guest
You gonna get a whiskey, girl?
Caller
Why? You gonna tell my mama?
Caller/Guest
Get out of the car. Cause she gonna get you.
Caller
No.
Wes Moss
All right, keep going.
Heather
If you don't know. Those are the Ms.
Caller
What?
Heather
Say it to the camera.
Caller
You going to get a whooping night now.
Caller/Guest
Yes, you will.
Jessica
Oh, no way.
Caller/Guest
Unless I tell you. You better shut up.
Heather
I'm going to whoop you.
Caller/Guest
I'mma whoop you, girl.
Caller
Get out of the.
Bert
All right, so sometimes it's tough to make it out there, but it's. Some of the quotes were, get that effing camera out of my face. Get that GD camera out of my face. So M effer MF and B I T C H three times. And no, you ain't m effer out of a four year old.
Jessica
Wow. What did you do when you first saw this?
Heather
I mean, all I could say was, you know, I'm embarrassed. I couldn't say anything because like I said, I don't know them that well. And I probably should have called her mom. That's my first cousin or her grandmother, rather. Something has to be done because you just cannot let this child go to school like this.
Jeff
Well, you know, Burt knows a defects agent real well.
Bert
Right. Hey. Hey, Joe. Good Morning. You're on Q100.
Caller/Guest
Yeah. Morning, Bert. I think part of problem is, you know, this is what's wrong with society is people make big deals out of words. And when it comes down to it, yeah, four year olds really shouldn't be saying those words. But it's not, oh, the earth's coming to an end because the kids said GD or mf. Well, she's being on a whole level. If people stop taking words so literally, there'd be a lot less problems in this world.
Heather
So when she says it to a teacher, it's no big deal. It's just a word. No big deal.
Caller/Guest
Call you a bitch, but it doesn't matter.
Heather
That'll be a problem.
Caller/Guest
What I'm saying though is it's a problem because you're taking the word too literal.
Bert
Well, because 99.
Caller/Guest
And on. And on a whole scale, I'm just saying these words, everything. You know, I could call, you know, I could go after people that this city. I could go after people's religion. It doesn't matter.
Jessica
I disagree with you completely, Joe. I mean, I think language.
Bert
Hold on, Joe, Joe, Joe, Joe, Joe, Joe.
Caller/Guest
Hold on.
Bert
Sick. You had your say. Let us talk and then we'll continue.
Jessica
Yeah, I think language is incredibly important. And I think especially for kids to learn some sort of respect for their elders, need to watch their mouths and, you know, when they're growing up, it should be please and thank you and yes, ma'.
Caller/Guest
Am.
Jessica
And no ma' am and yes sir and no sir. And I think it's incredibly important. Well, language is important. And you're saying you're dismissing it completely, that words can't hurt other people. And I completely, I disagree with you.
Caller/Guest
People are conditioned to allow words to hurt them. If you're raised, we are.
Jessica
That's a part being a society and
Caller/Guest
being able to communicate. If Bert comes at me, okay, and he starts attacking me, I have enough respect for myself and how I've been brought up where what Bert thinks of me really doesn't matter. So I'm not going to turn around, pull out a clock and blow Bert's head off.
Jeff
It seems like two separate things, though.
Caller/Guest
Well, no, it's not because it is taking it. That's what I'm saying is people take words out of context all the time, Joe.
Jeff
It's not about the words. It's not about the specific words. Even if the kid wasn't cussing but was still talking back that way and somebody was encouraging it. It's a respect thing and it's a maturity thing. And at four year old, at four years old, you need to know certain things are off limits. Language like that, regardless of the philosophy of the word, is not acceptable language in a classroom, like Natalie said, if a police officer was talking to him, if a grandmother was talking to him. So there is a responsibility that comes with words. If you don't want to, you want to let them roll off your back, so be it. But you need to know that some words are acceptable in certain situations and some words are not acceptable. We certainly have conversations around each other that we wouldn't have if, you know, with a brand new employee in this room, usually during commercials.
Jessica
Right.
Bert
I see what he's saying. But the truth, in reality, there are limitations to words. There are some that you can use and there is a respect level, you know, and 99% of the population teaches that. So when you hear that from a four year old, it's disrespectful on any level.
Jeff
Josh sent a message from.
Advertisement Voice
Yeah, this four year old child's being
Jessica
egged on to say it. She's not innocent and just doing it because there's older people in the car telling her to keep going and this is building the foundation for that four year old that this is acceptable.
Heather
Right. That it's funny. It's okay.
Jeff
Josh wrote if words don't matter, why'd that guy call in?
Bert
Hey, Don, Good Morning. You're on Q100.
Caller
Hi, how are y'? All this morning.
Bert
Okay, how are you?
Caller
I'm good. Well, I can't drive down the road. I had to pull over. I cannot believe that any parent would encourage and laugh at that kind of talk from a four year old. First of all, she had to learn it from somewhere. Secondly, as a parent with a child going to elementary school, if my child came home from preschool or forever talking that way, first of all, he'd get in trouble and get his mouth washed out with soap. And secondly, I'd want to know where it came from. I don't want my child near other children like that. And the worst part is it's not her fault.
Bert
Well, my, I think. I'm sorry to say this about.
Heather
She doesn't know any better.
Bert
I'm sorry to say this about your family, but my judgment, excuse me, My judgment would be this is that if those are parents that allow those words to come out of a four year old's mouth, chances are pretty good that they're not 100% great parents. In other areas also, if that's acceptable there, then they're not good parents.
Heather
Right? I mean, I can't disagree with you.
Bert
Good morning, Heather, you're on Q100.
Caller
Hi, how are you?
Bert
Good, how are you?
Caller
Oh, I'm good. I was actually calling about the guy that called in and I heard the lady just call in as well. But I wanted to say that that guy is a complete idiot and clearly he does not have children.
Bert
He doesn't care that you think he's an idiot. It's just a word. It's just a word.
Jessica
Words don't matter to him. Right?
Caller
Yeah, well, he really is. And anyone that has children would understand that that is, that's horrific coming out of a child's mouth. And I have a five year old daughter and if that ever came out of my daughter's mouth, I don't even know I would come unglued. I would completely come unglued. And if I ever heard my daughter come home from school and say that there was a child in her class saying those type of things, that would be. I would be at that school so fast asking for a teacher conference and asking that child to be removed from my child's class.
Bert
Isn't there a point in this video right here where you can identify who the person is? Like, doesn't the person that's taking the video say something about it? Like, is she referring to herself as
Jessica
the mother when she says she's going to get a whipping?
Bert
Yeah, hold on.
Heather
Probably from her Mother, but I don't know if she's in the car.
Caller/Guest
You better shut up. I'm gonna get you now. You gonna get a whiskey, girl.
Caller
Why? You gonna tell my mama?
Caller/Guest
Get out of the car. Cause she gonna get you.
Caller
No.
Wes Moss
All right, keep going.
Caller
Keep it coming. Okay. What?
Heather
Say it to the camera.
Bert
That GD camera in my face.
Heather
Like, every time I hear it, it just bothers me so much.
Jessica
In the laughing part is what bothers me. Not so much the language, but that it's okay. That's the part that bothers me the most.
Heather
Like, now that everyone is hearing this, I think I have to do something because that just bothers me so much.
Jeff
Imagine if she said that on Santa Claus's lap. Get that GD camera out of my face.
Bert
Oh, I'm sorry. It hurts more when it's your family. For sure, he must have been.
Heather
But like I said, this is my third cousin. I don't see him that often. I don't claim him at this point.
Bert
When do you start dismissing them? After second cousins, and they don't count.
Jessica
Does this make you feel like you need to have kids?
Heather
Oh, my kids are not gonna come
Jessica
up with a world like this. Have kids. Like you don't have children, right? Jeff Dollar doesn't have children, Wendy. He doesn't have children.
Heather
But these people have children. It freaks me out.
Jeff
I have a Sasha, and I'm glad
Bert
it doesn't have keto. I'm really glad Jeff doesn't have keto.
Jeff
The bird show.
Advertisement Voice
Okay, can we talk about how confusing weight loss has become? Like, one minute it's carbs are bad, and then the next it's no, actually, carbs are fine, but only if you walk 10,000 steps and drink a green juice. And honestly, it's just a lot. And then even if you do lose the weight, keeping it off is a whole different story. If you're struggling and want something that fits your real life, hers can help. It's designed to support you in reaching your goals in a way that actually fits your life. That's why weight loss by hers is getting so much attention right now. Hers connects you with licensed medical providers who create doctor developed treatment plans tailored to you. They offer access to an affordable range of FDA approved GLP1 medications, including the Wobi Pill and the Wobi Pen. It helps regulate your appetite so you eat less and keep the weight off. If you're ready to reach your goals and want to try something new, visit for hers.combert to get personalized, affordable care that gets you That's F O R h e r s.com Bert borhers.com Bert Weightlift by hers is not available in all 50 states. With Govi is a registered trademark of Novo Nordisk. A s to get started and learn more, including important safety information with Gobi clinical study information and restrictions, visit borheart.com
Bert
the bird show all right, so Jesse, we talked to him a couple of days ago, and he was all sketched out because he considers himself a 4 and he was asking out a 15. So we said, you know, rather than just go ahead and ask her out on a date, you know, why don't you sort of chip on the wall a little bit and just ask her to go out and study a little bit, you know, so she'll take the friend angle on the whole thing so her wall comes down. So he took our advice, and he goes to the girl and he says, yeah, let's study. And then she throws a bomb at him that he wasn't expecting.
Caller/Guest
I went up to her and I was like, hey, you know, I think I'm not gonna be able to do good in this class. Do you think we could set up like a. A once a week coffee thing? And immediately she says, you want to take me on a date, don't you?
Bert
She saw right through it.
Jessica
Wow.
Caller/Guest
I want to take you out on a date. She says, okay, how about tomorrow?
Jessica
No way.
Caller/Guest
Yeah. My mind's still spinning. I'm like, so, yeah, I mean, I've got a date tonight.
Bert
I can just imagine, I bet that feeling of her saying, let's go on a date, and you just totally not being expecting. Expecting that. Which I'm like, well, hold on.
Jessica
What? Okay.
Bert
I got to be cool. Got to be cool. I got to be cool. So that date was last night. Hey, Jesse.
Caller/Guest
Hey. What's going on, guys?
Bert
How are you, man?
Caller/Guest
I'm pretty good.
Bert
How'd it go last night?
Caller/Guest
It went good for the most part.
Jessica
Okay, take us through the date from the beginning until the very end.
Bert
Yeah. Something's not smelling right.
Jessica
I know.
Caller/Guest
Okay, well, from the beginning, picked her up. We went down to Barrett Parkway to the melting pot. Had a good time, talked for about four hours and just had a good time.
Jessica
And conversation flowed really easily.
Jeff
Nope. I mean.
Caller/Guest
Oh, yeah. Yeah. I mean, it flowed really free. You know, everything was good. But, you know, we both agreed that we just really aren't that good of a match and that we'd be better off as friends.
Bert
You had that conversation over, like, melted cheese. When did that happen? I mean, did she. Did she initiate that part of the conversation or did you?
Caller/Guest
I did.
Bert
You did what?
Jeff
Dude, you're weird.
Bert
No.
Jessica
When did that happen?
Bert
No, this is a great move.
Jeff
No, keep on dating and keep on calling the show.
Bert
So how did that.
Caller/Guest
It happened towards the end. It was just, you know, we started talking, and I got to know her and she got to know me, and it was sort of just a mutual type thing. So.
Bert
So were you. Actually.
Jessica
I'm confused.
Bert
Turned off by her by the end of the day, like, she was. I mean, yeah, she's a hottie, but outside of that, she just wasn't for you?
Caller/Guest
Yeah. Yeah, pretty much. I mean, she's a great person and we'd be great friends, just not really. We're not dating compatible.
Jessica
What about her turned you off?
Caller/Guest
Nothing really. Just. It's sort of hard to explain. I mean, I'm sorry.
Jessica
Was she not very smart?
Caller/Guest
Oh, no, she's very smart.
Jessica
So I'm trying to figure out what about her made you not like her,
Advertisement Voice
can be compatible with her.
Jessica
Like, what happened during the date that made this all happen?
Caller/Guest
Well, it's mainly just, I guess you could say her personality. It just sort of clashed with mine a little too much, and it's just not something that I personally could deal with.
Bert
Okay, now we're getting into it here. So what was. What was the first red flag, the first conversation you guys were having where you went from. Oh, my God. If I had the music of, like, angel singing right now to you going, wait a second. So this might not work?
Caller/Guest
Well, it's just the way that she would. She would say things sort of caught me off guard a couple times. I'm like, huh. Well, that's interesting.
Bert
Like what?
Caller/Guest
I can't remember right now. It's way too early.
Jeff
Well, you got to remember, one of them. You, the woman of your dreams from 36 hours ago has now broken your heart. So there's got to be one thing that stands out in mind. You're like, oh, this ain't gonna work.
Bert
Was she rude? Was she overly aggressive? Was she just not appreciative? What?
Caller/Guest
You know, it's not any of that. She was very appreciative. She. She thanked me. She said she had a fun time, but it's just. I really don't know how to explain it appropriately to where I can get the point across.
Jessica
Is she kind of a complainer? Is she a negative person?
Caller/Guest
No, I guess you could say she's cynical.
Jessica
Cynical.
Caller/Guest
Little too cynical.
Jessica
Okay, that's something there sure yeah. If you're not a cynical person and somebody is, that would be a definite clash.
Bert
But. But.
Jessica
However, appreciate their cynicism.
Bert
Maybe here's the flaw in your story, Jesse. Maybe you're a better man than I am. When I was single is if I'm dating a total hottie. I mean, I have been watching this girl for a while, and I'm on a date with this beautiful thing. And yes, she's cynical. I would be able to get around that for four or five more dates just to hang out with her and try to sleep with her.
Jeff
Touch your boobs. Different standards.
Bert
Now you're saying that, yeah, she was cynical, but she's a hottie and you're just not that way. The physical part, that's not for you.
Caller/Guest
Yeah, exactly. You know, I mean, I'm a Christian, and I feel the fact that sex for sex is something sacred for marriage.
Heather
Okay?
Caller/Guest
And that's the way I like to keep it.
Jeff
So what about boobs?
Caller/Guest
Boobs are nice, but, I mean, there's
Jeff
nothing in the Bible that says you can't go up a girl's shirt.
Caller/Guest
I just don't feel like that.
Bert
Okay?
Caller/Guest
So that's not the way I roll.
Bert
All right, so you're more of a commitment kind of guy. And physically, she did it for you. But outside of that, Jeff is shaking his head. He's not buying the story.
Jeff
Yeah, I don't believe you. You're just telling the story to get on the radio.
Bert
Why? He's a Christian guy wouldn't do that unless it was on the fish.
Jeff
Yeah, it's okay to lie on the fish if you're a Christian.
Jessica
Why do you think he's lying?
Jeff
Cause no guy operates this way.
Bert
Sounds like he's peacocking a little bit.
Caller/Guest
Well, you know, there's a few good. There's only a few good guys left in the world, and I think I'm one of them. And that's how we operate.
Jeff
Good for you, shutting the girl down at the end of the first date.
Caller/Guest
Not shutting her down. We're still gonna be friends. He just study dates and stuff. But, you know, there's no be involved.
Bert
You just know there's no future with this girl. She didn't do anything for you, except physically. So you're just gonna end it after the first date?
Caller/Guest
Yeah, pretty much.
Jessica
If there's no chemistry, there's no chemistry. I don't know why that has to be so weird.
Bert
Because you got to think like a guy. You're thinking like a woman here. If a girl is that hot. We can work around her crappy attitude for weeks or months, even in some cases, years.
Jeff
He's not joking. Like, you know how many guys there are in the history of time since as long, you know, since God put Adam on earth. Do you know how many times a guy has told a super hot girl that they're not compatible at the end of the first date? Zero.
Bert
Yeah, Let me try to do this, actually. Joanna, clear the phones and find guys that were in a relationship the longest time with a girl that they didn't like but hung out because she was so hot.
Wes Moss
Will it be days?
Bert
Will we find weeks? Will we find months?
Jessica
Married people.
Bert
We have. There are married people right now. It's been 25 years, man.
Jessica
I wish you would just shut up. But she is hot.
Jeff
I think every 100% of guys have done that. Three guys in the room. If you've done it, raise your hand.
Wes Moss
Thank you.
Bert
All3.404741.Q100. If you're a guy and you're in a relationship with a girl that you couldn't stand, but you stayed in because she's so hot, tell us for how long. Hey, Tammy, good Morning. You're on Q100.
Caller/Guest
Hey.
Caller
I was just giving the girl's perspective. I mean, maybe she's kind of cynical because people have gone out with her for all the wrong reasons. So that's kind of what she feels like people expect of her. And, you know, he needs to give it another try in four hours. You absolutely don't know everybody. Everything about everybody, they're still on their. The show. And, you know, you don't really know what you're getting.
Bert
Thank you. Here is Jeff. Good morning, Jeff. You are on Q100.
Caller/Guest
Hey. Yeah, I dated a girl that was a pain in the butt, and I put up with her for two and a half years.
Jeff
Yes, you did.
Jessica
She was hot.
Bert
How hot was she, man? Was she like a 10?
Caller/Guest
Yeah, she was. She was up there.
Bert
Yeah.
Jeff
That's admirable. That's. You know what? That's well done.
Bert
Yes. If she's that hot and the physical part of the relationship is even remotely good, you will stick it out for a long time. Hey, Neil.
Jeff
Good Morning.
Bert
You're on Q100.
Caller/Guest
How's it going, guys?
Bert
Okay. How are you?
Caller/Guest
Good.
Bert
How long we looking at?
Caller/Guest
Almost a year.
Bert
And she was super hot, but just. What?
Caller/Guest
She was psychotic. She was crazy. She lied. Told me she was pregnant a couple times. Wow. She was just crazy. But she was gorgeous. I mean, it happens. It happens.
Jeff
I Almost think that's. That's the better question to ask, Bert, is not, how long did you last? But what crazy thing did you tolerate? Like, what did you put up with and still staying with, because, you know, it's like, oh, yeah, she stole my car and wrecked it. Really? Yep. Drove it right into Lake Lanier. Seriously? Yep. Stay with her for a year after that. She was so hot.
Bert
I told you about Chandra, that girl I was dating, Chandra, at my own party. She flies down a flight of stairs, roundhouses me, almost knocks me to the ground. My knees buckle. And the next day, we go on vacation together. Stuck it out.
Jeff
She's hot.
Bert
Hey, Kevin. Good morning. You're on Q100.
Caller/Guest
Good morning. How are you guys?
Bert
Good. How are you?
Caller/Guest
Hey. I was with a girl for three years merely because she was so hot. There was just no way I could. I could let her go. But she drove me completely nuts and so high maintenance.
Bert
So it wasn't just. It wasn't one act of craziness. It was just so high maintenance. But it was worth for you to get to cater to it because she was so hot.
Caller/Guest
Well, she. She would take my credit card and spend, you know, five $600 on a pair of shoes and say, I just had to have them.
Bert
And she walked in the door and she's so hot. You just said, thank you for spending that money.
Caller/Guest
Thank you very much. Can we head this way?
Bert
Every guy like that said, every guy that has done any kind of dating has been in that situation.
Jeff
It would almost be a fun website to put up a picture of the girl and then the story of next to it, of what you put up with in order to tell her. So put up and how long. So you'd have to find a picture of Chandra from, you know, 20 years ago, however long you dated, put that picture up and go. She punched me in the face in front of all of my friends, and then I took her to the Caribbean the next day. Guys will vote. Was she worth it?
Bert
That's a great idea, Jesse. You are an anomaly, my friend. For sure.
Caller/Guest
Well, thank you, guys.
Jessica
All right, good luck finding your match.
Caller/Guest
Hey, thanks.
Bert
All right, Bye.
Jeff
Bye. Hey.
Bert
The Birch Show.
Advertisement Voice
Okay, can we talk about how confusing weight loss has become? Like, one minute it's carbs are bad, and then the next it's, no, actually, carbs are fine, but only if you walk 10,000 dozen steps and drinking green juice. And honestly, it's just a lot. And then even if you do lose the weight, keeping it off is a whole different story. If you're struggling and want something that fits your real life. Hers can help. It's designed to support you in reaching your goals in a way that actually fits your life. That's why weight loss by hers is getting so much attention right now. Hers connects you with licensed medical providers who create doctor developed treatment plans tailored to you. They offer access to an affordable range of FDA approved GLP1 medications, including the Wegovy pill and the Wegovy pen. It helps regulate your appetite so you eat less and keep the weight off. If you're ready to reach your goals and want to try something new, visit fourhers.com Bert to get personalized affordable care that gets you. That's F O-R-H-E-R-S.com Bert Fourhers.com Bert Weight loss by hers is not available in all 50 states, but go use the registered trademark of Novo Nordisk A s get started and learn more, including important safety information with Gobi clinical study information and restrictions.
Jeff
Visit borhurst.com the Bird show it's no secret that parents who have babies or children you've essentially purchased yourself when you did that deed, when you consummated the relationship and created the child, you also got with that an excuse for 18 years.
Bert
Every infant middle name should be excused.
Jeff
Yes.
Jessica
Permanent excuse.
Bert
Yeah.
Jeff
And I can't, I can't remember what Bert, you once gave a percentage for some reason, I think it was 50%. I asked you years ago, how often when you say you can't do something because of child, how often is it really child related? And I think your number was like 50%.
Bert
Could have been in the beginning with Hayden, probably 50%. Probably now down to about 20.
Jeff
Right. Because they're getting older, it's harder to do that. But in the beginning you could just be tired and go, yeah, kid's not feeling well. Kid's sound asleep. Ben sounds sleep for four hours, going to sleep for four more.
Bert
Gotta leave early. The sitter can only stay till 10 even though the sitter could have been there till 2 in the morning.
Jeff
Not even with a sitter. Didn't you just keep hating in the
Bert
closet in the car?
Jeff
Yep. So joke about that. So the, the friend friends of Jessica's and mine have had babies. We have like three or four babies around us right now. And, and Jessica and I obviously don't have any kids right now. So I've gone ahead and used other people's children for excuses.
Jessica
Like what and how have you done that?
Jeff
Well, like when situations come up where people are like, hey, can you. Are you available for lunch? For example? I used this one back in December, before the holidays. You know, it's just. It's just crazy over the holidays. It's busy. You want. You're doing your last minute Christmas shop and you got. Always got. Every day you go to Target for something busy. So when a good friend asks you to lunch, it sounds crappy to say, I can't. I'm just running around, you know what I mean? For like three days in a row. So I used Tracy's kid, Ella.
Wes Moss
What'd you say?
Jeff
God, I would love to, but you know, Ella's got a cold and Tracy's got a bug out every day right at like 10 o'. Clock.
Bert
So you're covering for Tracy, so you're using her.
Jeff
So I used Ella as an excuse. Yes.
Bert
Nice.
Jeff
So I used Ella as an excuse.
Bert
Very nice.
Jeff
And then we had another situation where we had a couple different invites to do different things over the holidays. You know, the Christmas time. And this is when all the job stuff was going on and I didn't really feel like being around people and telling the story a hundred times and blah, blah, blah. So it was just Jessica and I hanging out with a couple close friends. All these close friends have kids. So when somebody said, hey, what are you guys doing for the holidays? And we would say, oh, we're gonna do this. And we might go up to the lake and just hide out up there. Say, well, why don't you leave a day later? And do. I threw out. Well, our friends, we told our friends we'd watch their kid for one night because they were gonna go out and have a date night. There's no date night.
Bert
That'll start to play on you though. Cause somebody may legitimately have a reason that they can't hang out with you because of their kid. And then once they use it, you will assume they're blowing you off because
Jeff
I've already taken the excuses.
Jessica
Or do you think these parents are gonna ask you to babysit their kids? Cause they think you're so great with kids, right?
Bert
You use the kids as an example.
Jessica
All. Yeah, Jeff, you really are so great.
Caller/Guest
Oh, guess what?
Jeff
Oh, I'm sorry. You want me to come over and watch Hayden?
Caller
I can't.
Jeff
I'm watching Ella Grace. Sorry.
Bert
Well, I mean, two is basically the same as one. So just dress both.
Jeff
You and Jessica, just drop Hollis off at Tracy's house, and when I get there, I'll watch them both.
Bert
I would. Tracy with one, two or three kids. Good Morning, Joshua. You're on the Bert Show. Hi.
Caller/Guest
Hey, Bert. Hello. Hey, Josh.
Bert
Thank you, sir.
Caller/Guest
Hey, a couple weeks back, you were talking about considering participating in a reality show, and I just was interested in knowing what the outcome of that was.
Bert
There is no outcome. There has been no update yet. I am just waiting for the creator to tell me if they want me on the show or not.
Jeff
The creator of the TV show, Not God,
Bert
not a capitalized C. Yeah, and I got a couple of texts from her a couple of days ago that indicated that I would have to start making a decision because the tone of the. Of the texts were just like, you're going to get picked, so maybe you should start thinking about it. I got a voice. We exchanged voicemail messages yesterday that sort of make me feel like this is something that I'm going to have to make a decision on over the next couple of days.
Jessica
You're going to do it?
Bert
I'll be honest with you.
Jessica
Like, you're going to do it.
Bert
I want to do it, but I'm really looking at it logically. I. My. My gut says no. My heart says yes, but my gut says don't do it. So once we have the contract in front of us and we can really, you know, sort of connect some of the dots logically and make a decision for the family once they offer it, then we'll do that, and then it'll be like a 24 or 48 hour process.
Jeff
Just for the record, your gut and your heart are irrelevant. What does your wife want?
Bert
Stacy was leaning towards doing it.
Jeff
You're gonna do it?
Jessica
Yeah.
Advertisement Voice
Stacy wants to do it.
Bert
I don't know. I really don't know, so.
Jeff
And I gotta. And I gotta watch Ella Grace later.
Bert
Joshua. I will let you know as soon as they say yes or no to me. And it's a definite, I'll fill you guys in on what comes up next, all right? But right now there's nothing.
Caller/Guest
Appreciate it.
Bert
Okay, man. Bye. Bye.
Caller/Guest
Take care, guys. Get it.
Bert
The bird show.
Date: June 8, 2026
Cast: Bert, Jeff, Jessica, Heather, Wes Moss (Guest), Callers
This classic episode of The Bert Show delivers "real, funny, and authentic" morning radio with a blend of practical financial advice, family dilemmas, and relatable listener stories. In this edition, highlights include financial resolutions with money expert Wes Moss, a controversial family video featuring a cursing four-year-old, listener discussions on social boundaries and dating, and the ever-present humor and candor of the show's ensemble cast.
[01:01–15:22]
Financial expert Wes Moss joins to provide tangible steps for listeners who want to control debt and get their finances in order. The discussion revolves around the importance of written goals, budgeting, and changing spending patterns.
Write Goals Down:
Budgeting Tools:
Order of Operations:
Changing Mindsets:
Bankruptcy & Credit Repair:
Emergency Funds:
Consolidation Loans:
"Pay the balance down to zero and keep the card open." – Wes Moss on credit cards and FICO scores [14:46]
[16:26–28:15]
Heather brings a family story about a video showing her four-year-old cousin swearing, spurring a debate about parenting, language, and societal standards.
Heather's embarrassment about the video's circulation and disbelief at the encouragement from adults in the video:
The show's reaction:
Listener and cast disagreement:
"My judgment would be this is that if those are parents that allow those words to come out of a four year old's mouth, chances are pretty good that they're not 100% great parents in other areas also." – Bert [25:20]
[29:18–40:32]
Listener Jesse, who previously described himself as a "4" attracted to a "15," recounts his much-anticipated date—which surprisingly ends with no chemistry, despite physical attraction.
[41:35–46:06]
Jeff confesses to using friends’ children as an excuse to sidestep social engagements, sparking a playful discussion about the universal “parent excuse.”
[45:15–46:53]
A listener follows up regarding Bert's potential reality TV appearance:
Wes Moss on Debt:
"You can't [invest] until you're out of debt. Two, the emergency fund is built up. In order to get out of debt, you need to list your credit cards..." [05:42]
Heather on Family Video:
"Every time I hear it, it just bothers me so much." [27:24]
Jessica on Language:
"Language is important. And you're saying you're dismissing it completely, that words can't hurt other people. And I completely, I disagree with you." [22:15]
Jeff on Dating:
"If a girl is that hot, we can work around her crappy attitude for weeks or months, even in some cases, years." [36:01]
The Bert Show maintains its signature blend of honesty, humor, and heart. There’s plenty of laughter, some raw admissions, and group debates—all delivered with the quick wit and relatability that fans have come to expect.
Summary Usefulness:
This episode is a microcosm of The Bert Show’s appeal: real-life dilemmas, unfiltered personalities, and community-minded conversation. From financial advice you can take action on to deep dives into family and social etiquette, it’s morning radio that’s as practical as it is entertaining.