The Clay Travis and Buck Sexton Show

Episode: Weekly Review With Clay and Buck H3 - Misogyny in a Dress
Date: January 17, 2026
Podcast: The Clay Travis and Buck Sexton Show (iHeartPodcasts)

Overview

In this episode, Clay Travis and Buck Sexton tackle headline issues at the intersection of politics, finance, and culture, with a significant focus on financial literacy, the Supreme Court case on transgender athletes in women’s sports, and broader themes of cultural drift and the importance of truth-telling. The episode features an in-depth interview with Jennifer Sey, founder of XX-XY Athletics, who discusses the cultural and legal battle over women's sports and gender identity. The hosts also weave in commentary on recent financial news, the Trump economy, breaking news in sports, and the passing of notable cultural commentator Scott Adams.

Key Discussion Points & Insights

1. Biden, Credit Cards, and Financial Literacy (02:51–13:03)

• Critique of President Biden: Hosts discuss Biden's longstanding ties to the credit card industry and his legacy as "the worst president" due to his policies benefiting credit card companies over ordinary Americans.

  • Quote: “Joe Biden is the worst of the worst when it comes to this...you’re representing credit card companies. That was Joe Biden's primary constituency for his entire 40-something years in the Senate before he became the worst president of the 21st century.” – Clay Travis (02:51)

• Financial Illiteracy in America:

  • Schools fail to teach practical financial topics, leaving many adults unaware of how mortgages work or how much of their payments go to interest.

  • Notable Explanation: Clay unpacks the "amortization table" and how most mortgage payments are interest for years, a reality unknown to many homeowners (05:00–07:33).

  • Quote: “It’s nearly a decade of a 30-year mortgage where all I’m doing is paying interest and you’re not actually getting to the principal at all.” – Clay Travis (06:40)

• Credit Card Reform Debate:

  • The hosts discuss policy limits on credit card APRs and how arbitrary statutory caps (e.g., 36%) work.
  • The topic raises questions about drawing lines in policymaking and corporate influence over consumer finance.
  • Quote: “We’re making a policy decision on some level that we’re okay at 25% but we’re not okay with 45%. That’s right. There is a level that we’re willing to accept.” – Buck Sexton (09:04)

• Cashless Society & Corporate Power:

  • Discussion on how younger generations never use cash, further strengthening the monopoly of credit card and tech companies on everyday life.
  • Quote: “The powers of these credit card companies is only going to grow in the decades ahead because young people like my kids never have cash.” – Clay Travis (12:41)

2. Housing Crisis: Immigration, Corporate Ownership, & Supply (13:03–15:22)

• Institutions & Real Estate:

  • Addressing the narrative that BlackRock and similar institutions are responsible for high home prices by buying single-family homes.

  • Emphasis on the significant impact of millions of undocumented immigrants on housing supply and demand.

  • Nuanced consideration of corporate ownership versus developer incentives and housing stock variability by state (13:30–15:22).

  • Quote: “There are millions and millions of people who are being housed currently who are not supposed to be in the country...there is no way that does not have an effect on supply and demand.” – Clay Travis (13:18)

3. Need for Financial (and Historical) Education (15:22–16:50)

• Repeated calls for stronger focus on financial literacy in American education, including checkbooks, mortgages, compound interest, and investment basics.

  • Quote: “I just think financial literacy, we do a really poor job of explaining to kids how to balance checkbooks, how to understand mortgages, how to understand what credit card interest is, to understand how quickly compound interest works against you...” – Buck Sexton (15:22)

[GUEST INTERVIEW] Supreme Court, Women’s Sports & Gender Identity

Guest: Jennifer Sey, founder of XX-XY Athletics
Segment: 24:10–35:55

4. Recap of Jennifer Sey Interview & Supreme Court Case

• Overview:

  • Jennifer Sey joins to discuss her advocacy for keeping women’s sports exclusive to biological females in the wake of Supreme Court scrutiny on the Title IX/gender identity argument.

  • Sey emphasizes the basic truth of biological sex and how current legal ambiguities threaten fairness in women's sports.

  • Quote: “There are two sexes. There’s one truth. There are men and women. And Title IX was created to recognize the biological differences between men and women and to ensure that girls and women have equal opportunity through sports. It’s not complicated.” – Jennifer Sey (24:50)

• Supreme Court Arguments & Cultural Frustration:

  • Sey recaps her experience at the steps of the Supreme Court, frustration over shifting Title IX to cover "gender identity," and the feeling that the debate is unnecessarily complex.
  • Cites real-life consequences: from mixed martial arts to youth gymnastics, allowing biological males in women’s competitions endangers fairness and safety.

• Cultural Capture:

  • Sey details how progressive ideology has overtaken cultural and corporate attitudes, causing silence/fear among the majority who disagree.

  • Quote: “We ceded the culture to these crazy people for the last 20 years, and there’s no other reason. They sort of captured the culture with this fiction that there’s...1772 genders and sex isn’t real. And these boys’ feelings...matter more than girls’ rights.” – Jennifer Sey (28:30)

• Language Matters:

  • Criticism of adopting terms like “cis girls” or “trans girls”; emphasis on reclaiming clarity in public debate.
  • Quote: “Trans is a fiction. Gender identity is a fiction. These are boys who claim to be girls. I’m not even going to go along with ‘think they are girls.’ They claim to be girls. They have no place in women’s sports.” – Jennifer Sey (30:39)
  • Memorable statement: “It really is misogyny in a dress.” – Jennifer Sey (31:57)

• Outlook on Legal & Cultural Battle:

  • Clay and Jennifer discuss likely outcomes of a Supreme Court decision (possibly 6–3), predicting that Democrat-aligned states will “double down,” but a ruling will encourage more silent supporters to speak up.
  • Quote: “I think a decision that leads our way is going to give some more people the confidence to stand up and fight. And I think we’re going to have to wage the last part of this battle on the cultural line.” – Jennifer Sey (33:48)

• Economic Activism:

  • Sey urges listeners to “vote with your dollars” by supporting her brand (xx-xy), which offers athletic wear made for women and men that stands for biological reality.
  • Quote: “We need to give people the opportunity to wear their values. I mean, wear the truth...” – Jennifer Sey (34:49)

5. Corrections & Clarifications: Credit Card Bankruptcy (35:57–37:44)

• Clay clarifies previous remarks: while credit card debt is generally dischargeable in bankruptcy, the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act makes it much harder through requirements, exceptions, and legal counseling.
  • Quote: “Credit card companies managed to get written into law a whole bunch of additional...it’s going to be much harder for you to just walk away from these things.” – Clay Travis (36:22)

6. Breaking News & Notable Moments

• Mike Tomlin Steps Down (20:56–21:37):

  • Breaking NFL news on the Pittsburgh Steelers’ head coach stepping down after 19 years, a noteworthy item for listeners in Pennsylvania and football fans.

• Eulogy for Scott Adams (40:59–41:18):

  • Clay delivers a somber tribute to Scott Adams, creator of “Dilbert,” highlighting the cost of being outspoken in the current cultural climate.
  • Quote: “He demonstrated his eternal bravery. He found Christ at the end of his life and said that he was going to go into the future and find out once and for all what comes after death.” – Clay Travis (41:03)

Notable Quotes (with Timestamps)

• “It’s nearly a decade of a 30-year mortgage where all I’m doing is paying interest...” – Clay Travis (06:40)
• “We’re making a policy decision on some level that we’re okay at 25% but we’re not okay with 45%.” – Buck Sexton (09:04)
• “The powers of these credit card companies is only going to grow in the decades ahead because young people like my kids never have cash.” – Clay Travis (12:41)
• “We ceded the culture to these crazy people for the last 20 years, and there’s no other reason. They sort of captured the culture with this fiction...” – Jennifer Sey (28:30)
• “Trans is a fiction. Gender identity is a fiction. These are boys who claim to be girls...they have no place in women’s sports.” – Jennifer Sey (30:39)
• “It really is misogyny in a dress. There’s no other way to describe it.” – Jennifer Sey (31:57)
• “He demonstrated his eternal bravery. He found Christ at the end of his life and said that he was going to go into the future and find out once and for all what comes after death.” – Clay Travis (41:03)

Important Timestamps

• [02:51]—Start of hour/credit card policies/Biden critique
• [07:33]—Education system’s failure on financial literacy
• [09:00]—Discussion on statutory credit card interest cap
• [13:03]—Corporate housing, immigration, and the housing supply
• [15:22]—Financial education for youth
• [24:10]—Jennifer Sey interview begins
• [31:57]—Sey’s critical “misogyny in a dress” quote
• [35:57]—Correction on bankruptcy law
• [40:59]—Tribute to Scott Adams

Tone and Style

Clay and Buck’s signature conversational, slightly irreverent tone is present throughout, blending humor with strong and direct political and cultural opinions. Jennifer Sey matches the assertive, unapologetic style, doubling down on advocacy for women’s sports and the importance of biological reality.

Summary Takeaway

This episode combines critique of U.S. political and financial systems, a call for improved financial literacy, cultural commentary on the gender identity debate, and a strong defense of women’s spaces in sports. The Jennifer Sey segment stands out as a passionate case for truth and cultural courage, while Clay and Buck’s repartee serves both as entertainment and pointed advocacy for their vision of common sense and American values.