Weekly Review With Clay and Buck H3 - Misogyny in a Dress

This is an I-Heart podcast. Guaranteed Human. All right. Third hour of Clay and Buck kicks off now, everybody. Show flying by today. Thanks for being with us. We're talking a lot about the Trump economy today. We're getting deep into the credit card discussion there. Send us your thoughts if you have also credit card horror stories. producer alley was like shocked in mind that they could be so ruthless but yes indeed they they can be quite quite aggressive those credit card companies and they are enabled by politicians who joe biden is the worst of the worst when it comes to this is what else who else do you represent the state of delaware really you're representing credit card companies That was Joe Biden's primary constituency for his entire 40-something years or whatever it was in the Senate before he became the worst president of the 21st century, which isn't really saying much. I think probably the worst president. I'm comfortable saying Biden was the worst president in, well, people might see Jimmy Carter. You go back to the Jimmy Carter thing. I think Biden's worse. I think Biden was worse than Jimmy Carter. I think Carter had some, he had some dignity. He had, he was a man who had, you know, he was honorable in his way. He just was wrong about everything. Biden was a scumbag who was also wrong about everything. So I think the scumbaggery takes him into the number one slot. I think worst president we've had in 100 years. Yeah, I think historically he's going to be up there with James Buchanan, who was president when the Civil War was allowed to start right before Abraham Lincoln, which is a history nerd take there for you. And is it surprising that a guy who they even had to admit essentially had a brain that was semi-functional because of dementia or whatever the diagnosis would be was bad as president? Of course he was. No, I mean, it was he was dumb 30 years ago. So now he's dumb and his brain doesn't work because of old age. That's going to be a bad combo. Yes, no doubt. By the way, I wanted to mention this because we were talking about not that we're in any way the greatest advocates or the greatest experts when it comes to financial decisions. I wanted to mention something that I didn't even know. And I bet a huge percentage of our audience doesn't even know. As we set the table, by the way, latest on Minneapolis, President Trump is speaking right now at the Detroit Economic Club. We'll go live to that in a few minutes and hear what he's saying there. The credit card debt discussion. Buck, I used to wonder, they don't teach you anything about mortgages. We were talking about the lack of financial literacy that comes from schools, and it is incredibly unfortunate that that is the reality that we face. Here is a crazy take that I think a lot of people never actually go into. Do you know that when you get a mortgage, 30-year or 15-year mortgage?

The first several years of your mortgage payments, go look at the amortization table. I don't even think most people even know what an amortization table is. Almost all of your mortgage payments is interest. So if you wonder, why is a bank always so happy to have people refi? It can be a very good decision because you can go from a 7% rate down to a 4% rate or whatever. I'm not saying it's not a smart decision. It often is. But they're giving up that rate because you go back to just paying interest to them. Most people never complete a 30-year mortgage. Some 30-year mortgages for the first decade, almost all of it is interest. And then when you look at the amortization table, by the time you get to the end of a 30-year mortgage, you're actually only then starting to pay principal. And I don't think, I bet. A huge majority of this audience pays a mortgage. I bet very few people have ever actually looked at the amortization table to recognize, oh my goodness, it's nearly a decade of a 30-year mortgage where all I'm doing is paying interest. You're not actually getting to the principal at all. Now, people say, well, wait a minute, my value. Yeah, hopefully your overall value of your home is going up. So you're building equity because that home you bought for $300,000. A decade later, hopefully is worth $400,000 or something. So you're getting equity that way, but you're not actually paying it in a way that gets your equity. And I just don't think most people even understand that. Again, financial literacy, probably something along with historical literacy, that so many people are getting preyed upon because they don't have the basic knowledge that is necessary. Well, also, it reminds me of a very viral tweet from a long time ago. I would give credit for it, but I don't remember. But I think it was a comedian who said, I'm so glad I studied parallelograms in high school. This was in April, obviously. It'll come in so handy during parallelogram season, as in tax season. Yeah. As in now we're all supposed to become accountants in our own right and know all these things and this incredibly complicated tax code. And remember. You are very, the same people that will tell you, oh, you know, illegals, no one's illegal. You can come to the country and take whatever you want. It doesn't matter, but you better pay your darn taxes. Because if you're part of the productive class, if you're part of the now less than half of American households that even pay into the tax system instead of get benefits from the tax system, then you are a cow to be milked and you are to shut up about it and to just take that and deal with it. So I think that people are rightly very, their interest is piqued, if you will, over the... I mean, the credit card rate issue because it goes to a lot of what we see right now, which is companies, corporations, have things written in a way that are beneficial to them. And I would say this, Clay, okay, people will point out, they'll say, well, but what about credit, you won't get credit to poor, you know, to people that need it unless you have these rates. Well, then why do we have a cap on it at all right now? We do.

And people are getting credit cards. That's my point. So we're making the policy decision on some level that we're okay at 25%, but we're not okay with 45%. There is a level that we're willing to accept. And this is where you see it's a bit like the minimum wage discussion too, where people will say, well, we shouldn't have any minimum wage. Okay, but we do. And so if we do have one, we're going to argue over what it should be. And if we're going to have a cap, you know, if you're very simply put, if you're drawing a line, you get to decide, you get to argue over where the line should be drawn. There are some people who will be, there should be no line. Okay, that's a different argument, though. Because if there is a line, we're going to argue over where that line is. We're going to debate where that line should be. And I think Trump raises that. And it's a very much, like I said, the Trump gambit, because maybe it's at. Again, I think I saw that 30, I did a quick grok search. 36% is the like statutory cap right now on credit cards. It certainly is around 30 because I've seen 29% penalty APRs on credit cards that I have. Not that I ever hit those penalties because I've refused to carry a credit card balance. But Clay, if we could get it down to 20%, what would that mean? Would that just mean that credit card stocks take a bit of a hit and have to? you know, reassess some of their, they're still going to give credit card. You know, they're still making money. I understand that at some level there's charge-offs, and you're going to say, but it's non-dischargeable in bankruptcy, and you have this huge collections industry that's going to continue to function as it does. So, remember, they make money off a transaction fees. Every time they're not supposed to do this. Some vendors, every time you go and you swipe that card, they're taking a percentage of the transaction. Two or three percent, typically, every single time you swipe a card. And that's an amazing business to be in, right? But some places won't take the higher. I think Amex tends to have the higher swipe fee. And so they'll say, you've come across this, right? Clay, we don't, I've been to restaurants. They'll say we don't take American Express here. They're not supposed to do that, by the way. Like there's actually, and they're not, well, I should say they're not supposed to charge you more for using a credit card if you have a credit card contract with them. But some places will do that too. They're like, oh, we charge a credit card fee. That's actually a violation of their credit card agreement. By the way, their power is only growing too because young people never have cash. Yes. I mean, and Apple, for instance, I am almost to the point sometimes where I would rather just go out with my phone and use Apple pay. Look, Apple is really good at figuring out how ways to monetize everything that you do. And so they could get you to pay from your phone 10 years from now. I'm not sure that there's hardly going to be anybody out there paying with cash. And I'm going to be honest with you. I love when I get in an Uber or a Waymo or a Lyft, whatever it is. Have you been in a cab where you basically start to get out of the cab because you're so used to being charged automatically on your phone? Everybody out there around our age, certainly younger, probably around our age because we at least used cash at some point in time.

I can't count the number of times when I've actually gotten in a cab, and I just start to get out of a cab now because I'm so used to an automatic charge going to my phone. So 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. I give them cash because I'm like, hey, make sure that everybody has taken care of. because you need to have cash in an emergency, whatever else. My kids are like, what? Why would I ever need cash? So I think the power of credit card companies is only going to grow. So Trump is taking a stand on that. But also on the institutions being able to buy up single family homes, you know, that's a complicated argument too. I know it's become very... um popular on the right generally to talk about how the reason home prices are so high is black rock for example the massive massive financial institution that has a very large balance sheet with a lot of homes on you know they just that's one name that they'll throw out there but you say well hold on a second first of all if we all agree there are 20 million illegals in this country they're living somewhere and you say oh well they're renting yeah that's still housing stock that is off so Start with that. Start with 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 that does not have an effect on supply and demand. It certainly does. New York City hotel rooms never been more expensive than at the end of the Adams administration. And it was because 20 or 30 percent, it was 20 or 30, I can't remember, but a big portion of hotels were going to house illegals at the taxpayer's expense. Correct. Well, if you take 20 percent of something off the market, guess what it does to what remains? It raises the price. It raises the cost. Supplying demand still. a major effect on the single family homes situation. You know, on the one hand, you don't want institutions buying up all these homes because you think, okay, well, they just use, you know, the funny money balance sheet they have access to. It's all just sort of numbers to them on a spreadsheet. They're not actually living in this. And they're going to rise the price. On the other hand, though, you want more developers, right? You want there to be buyers ready to go so that there are more and more developers making more and more houses to keep up with population growth. So how much, now, and the other side of it is, I don't think they, someone tell me what the numbers are, guys. I think it depends where in the country. I think there are some states, Clay, where institutions own something like 20% of the single family home stock, which seems high. Other states, it's a lot lower than that. And it's dependent upon the market factors in that state. But there's a complicated discussion. You know, because sometimes things that say, it's just like the minimum wage thing. Minimum wage in California is what now, $25? Guess what they're doing in all these places? They're automating. They're cutting back hours. All the things that we said would happen, happened.

No, 100%. And look, I mean, again, these go into complicated aspects. In order to talk about them intelligently, you have to have some measure of schooling on it. And 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 if you have those balances running forward and also in a positive way how much compounding works in your favor if you start saving I mean, every 10 years on average, if you buy S&P 500 index funds, you're going to double your money. Well, if you're a kid and you can start saving money when you're 18, 20 years old, by the time you're 50, you know, double, doubled, doubled just in the last 30 years. And then if you live fortunate enough to be 80 or 90, you start compounding that on such an incredible level. I don't think most kids think about it. It's an optimistic way to think just to understand the larger context here. And I wish we did a better job of setting this all up. So we will take some of your calls, 800-282-282.282. We'll also go and take a couple of minutes of President Trump. We're scheduled to talk with Jennifer say about the Supreme Court decision that is coming now on trans athletes. in particular on boys trying to pretend to be girls to compete in girls sports. We will discuss that and more. But I want to tell you, I got to pick for you on prize picks. Buck, get your pen out. This one's going to win. Pays out at nearly 2 to 1. Divisional round playoffs. Brock Purdy more than one half touchdown. Drake May more than one half touchdown. Josh Allen more than one half touchdown and Bo Nix more than one half touchdown. I'm picking this one super easy. Each of these guys are going to throw at least one touchdown pass. That is one touchdown pass. If I'm right, it pays out at two to one. That's Brock Purdy, Drake May, Josh Allen. Bo Nix, four quarterbacks playing on Saturday or Sunday as a part of the four divisional round playoff games in the NFL. Get hooked up, two to one. Brock Purdy, Drake May, Josh Allen, Bo Nix. Do it. Today, prize picks.com. My name, Clay, you can play in all 50 states. You can play along with us. $5. When you play five, you get $50 deposited in your account. That is prizepicks.com. My name's Clay. Pricepix.com slash clay if you want to go in that way. Download the app, put in my name, CLAY. You get 50 bucks in all 50 states when you sign up and play $5 at PricePix.

Clay Travis and Buck Sexton. Mike drops. That never sounded so good. Find them on the free I-Hard Radio app or wherever you get your podcasts. The headlines, they move on, but the heartache and the terror, they do not. Iran and its terrorist proxies are continuing to target Israel. Hezbollah continues its attacks in the north, forcing families to live under constant threat. But Israel is not only defending her people, she is standing on the front lines against terror that threatens us all. Even when the news crews leave, the international fellowship of Christians and Jews, they remain. Every day, they are on the ground, providing lifesaving aid. Now, near Israel's border with Lebanon, a Hezbollah drone recently struck the home of Yalina. Widowed earlier this year, and living alone, she was trapped inside by the blast. Thankfully, she was not injured, but she remained displaced. It's hard these days, she says, but I don't want to leave. Well, as Christians, we are called to stand with God's people and pray for those defending Israel and protecting the freedoms we hold dear. I want you to join the International Fellowship of Christians and Jews in praying for the peace of Jerusalem. And for the soldiers, families, and civilians carrying the burden of this fight right now, visit pray-IFCJ.org. That's pray-IFcj.org. Welcome back in Clay Travis Buck Sexton's show. I asked Buck if he knew who this person was. This is actually big breaking news, I would imagine for a lot of you out there. Not serious, not Iran, not Minneapolis. Mike Tomlin, the head coach of the Pittsburgh Steelers, has stepped down after 19 years. as the head coach of the Pittsburgh Steelers. So for anyone out there, Bucks, like anyone out there in the big battleground state of Pennsylvania, anyone out there in the big battleground state of Pennsylvania, this is huge news. You know who's probably like, oh, gobsmacked by all this right now? Our buddy. Marco Rubio, because he's going to have to be the coach of the Pittsburgh. That's good. That's a good response. No, our buddy, Sean Parnell, who is the spokesperson for the Pentagon right now, diehard Pittsburgh Steeler fan. They lost last night as Senator Ted Cruz came on and haunted everybody in the Pittsburgh area. Houston Texans beat them, and we've got Mike Tomlin stepping down. So breaking news there. All right. When we come back, they are playing a lot of the audio from the Supreme Court. I'm watching it right now.

Fox News going all in on audio over this trans-related sports case before the Supreme Court. Jennifer Say, who has been a huge part of this, she's got the company XXXY. She worked at Levi's for a long time until, among other things, saying men are different than women, got her crosswise, also COVID-related. She'll come on with us. She was in D.C. for these arguments. Our friend Riley Gaines was up there with her as well. We will hear what she thought of those arguments and where we are headed from here when we come back and discuss this with her. Also, we are monitoring President Trump speaking right now at the Detroit Economic Forum. He toured a car plant for Ford earlier today in Dearborn, and he is laying out the arguments for the future of the economic policies he has put in place right now as we speak to all of you. But I wanted to tell all of you that it is a good time to save money. We've been talking about credit card interests. We've been talking about mortgage interest, and if that made you start thinking, oh, boy. I am not happy about when that next bill arrives in the mailbox or shows up in my email inbox. And maybe you're thinking about trying to save money. You can do it with Pure Talk. You may well save $600 to $1,000 by the end of this year alone because Pure Talk will help save you 50% or more of your existing cell phone bill without sacrificing any quality of service at all. Cost can be as low as $20 a month for unlimited talk text, three gigs of high-speed data on Pure Talks Super Fast 5G Network. Get signed up and save a bundle. Pound 2.50 say Clay and Buck. That's pound 250 say Clay and Buck. Welcome back in to Clay and Buck. We are now joined by Jennifer Say. She's the founder of XXXY clothing. And Jennifer, appreciate you making the time for us. Thanks for having me, guys. So you are building a brand with fantastic apparel, I might add, I wear it frequently, where you take this very controversial position that for women's sports to thrive, it should actually be for women. And this shouldn't be controversial at all, but it is so crazy that we actually now have a Supreme Court situation playing out. Did you get a chance to hear any of the arguments today? Do you just feel like you've heard it all before because this is where you're constantly in the fight and in the fray? I did not get a chance to hear any of the arguments. I was on the steps of the Supreme Court for the rally. There was an amazing lineup of speakers. Riley Gaines spoke first, and gosh, there were so many other young female athletes who've been standing up for fairness and, frankly, just reality. So I did not get a chance to hear any of the arguments. I read some of the recaps. I spoke maybe about a half an hour ago at the same rally. I've heard all the arguments before. The arguments make no sense. This isn't complicated. There are two sexes. There's one truth. There are men and women. And Title IX was created.

You know, being the only person there at the rally today, you know, sort of representing an organization that's not a nonprofit, but a brand. We have, 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, you know, 72 genders and sex isn't real and these boys' feelings and how they feel about their quote-unquote gender matter more than girls' rights. I mean, it's an absurdity, but it's infiltrated the culture and it's captured hearts and minds. And we've got to rest it back with the full force that was taken from us. That's the only way, even if we win these cases, we're going to get the other 23 states, is if every mom and dad in America and every female athlete that's competing stands up and says, this is so stupid. I'm not doing this. We deserve our own sports and spaces. So yes, I'm shocked and I'm not at the same time. I mean, I'm sure you feel the same way, Clay. Oh, yeah, and I got to say. It's remarkable that, Jennifer, this has gotten to the point, this issue on what I call gender communism, where they have pushed this to the extremes that were warned about years and decades ago, such that, you know, you have had, like, a biological male competing against women in mixed martial arts, which is just insane and brutal and dangerous, where you have had biological. By the way, I also, I hate the terminology here. I don't like that the Supreme Court had Justice Ketanji Brown Jackson saying cis girls and trans girls. There's actually no such thing as trans girls. And really, I think that's the big problem here. Start from premise number one. There are men or boys who think they are women and they are not. And that's the truth. And they can argue about this with us all day, but it won't change the truth. Yeah, I couldn't agree more. We've got to take the language back. We've got to take the culture back. I'm trans as 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. We have all sorts of restrictions in sports. We have weight classes. We have age classes. You know, yes, there are sex classes. If girls have to play against boys. Eventually, they're going to stop playing. You know, I talked about this today when I spoke on the steps of the Supreme Court. I was a gymnast as a young person, a seven-time national team member, came back from all manner of injuries, everything from broken ankles and broken femurs. I came back to win. I never gave up. But if I knew the deck was stacked against me from the beginning, if I knew that I had to compete against boys, I think I would have given up. And we are telling girls every single day that they don't matter enough to fight for, that they need to sit down, be quiet. and just let that boy who claims to be a girl have what he wants. Why are you being so mean? That's what we're telling girls. That's the message we're sending them. That's what I can't believe. You know, I started gymnastics two years after Title IX passed. I thought we did this. I thought we were done. And yet here we are. And we're telling girls, they need to be quiet and let boys have what they want. I mean, it really is misogyny and a dress. There's no other way to describe it.

Jennifer Buck and I were discussing this. What happens? What happens in your mind if this case is decided 6.3, which crazily I think it's likely to be, do Democrats step off of crazy train and say, okay, well, the Supreme Court has now decided this? We're not going to continue to fight about it. Or do you think this battle is going to continue into the future as a part of the standard Democrat orthodoxy? I think it's going to continue, Clay. I mean, you're a lawyer. I guess this is a culture question, though, just as much. I believe the 23 states plus Washington, D.C., that currently allow boys to compete in girls' sports, they're going to double down. And they really have convinced themselves that this fiction is a truth and that they are the civil rights warriors. They feel very morally superior in allowing boys to trample girls' rights. And I think they're going to double down. I don't think this goes away anytime soon. That said, I think... this decision, if it goes our way, and I agree with you, I think it'll be 6-3, although some of the AGs are claiming 9-0. That's never going to happen, especially as you play that Ketanji Brown Jackson clip for me. I think more people will be comfortable and confident standing up and saying biology is real. This is a 90-10 issue, right? Most people agree with us, even in California, and yet most people are... silent on it because they're afraid. But 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. I will say the Washington Post, I read some of the clips from their editorial was staggering to me that they would acknowledge the cultural shift and represented there. I do think this is important too. For people out there that are super fired up and furious about this, Your brand, if you're a woman right now and you are listening to us and you are wearing athletic leisure wear, your brand is defining itself by saying, hey, women's sports should be played by women. And it's the only athletic brand in America that's even willing to say that. My wife wears this gear all the time. Buck has got some. They have men's gear too. But for the women out there in particular or the men that maybe want to buy gear for their wives, where can they go to register in an economic way their disapproval with the Nikes of the world trying to argue, hey, that dude in a sports bra is just as much of a woman as everybody else.

Right. Yeah, all those other brands you're alluding to, whether it's Nike, it's Ediths, they're all on the wrong side of this. They make tons of money off of pretending to champion female athletes, and they're selling women down. They're selling us out. So you do need to vote with your dollars. If you go to the truthfits.com, that's our site. You can also find us at XX-XYathletics.com. And we have everything you could possibly want except shoes. We don't have those yet. Workout gear. We do team uniforms. If you reach out to us directly, anything you can want for men and women. And we do. We have to vote with our dollars. And it's the highest quality product. You guys both wear it. Your wives wear it. It competes with the best brands in the world. That's my goal. This is not merch. This is a brand. We need to give people the opportunity to wear their values. I mean, where the truth. It was so heartening to me. I looked out in the crowd on the steps today, and so many people were wearing this brand, and it really is the symbol that you believe in reality, which is cool. Amen. Fantastic. Thank you so much, Jennifer. Keep up the fight and keep selling great clothing on XXXY. I appreciate you. Thank you. Appreciate you guys. All right, Clay, I got to do a little cleanup here for a second on something, because I'm getting all the bankruptcy lawyers in our audience are reaching out to me. I had said that credit card debt is non-dischargeable. That is not, strictly speaking, accurate. But the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 made credit card. It used to just be you could declare bankruptcy, your credit card debt is gone. That's not the case anymore. Now they can, when you go to bankruptcy court, they can divert you from a chapter 7 to a chapter 13 filing. And so what this Bapapa. law, BAP, CPA law did is luxury goods will not be dischargeable in a bankruptcy. Cash advances in certain circumstances, not dischargeable. This is all credit card stuff, right? So if you put luxury goods on your credit card within 90 days of filing, then they say no. So they put all these barriers and you can get into mandatory credit counseling for you to be approved for bankruptcy. They don't do this for other things, is the point. Okay. So the credit card companies manage to get written into law a whole bunch of additional, it's going to be much harder for you to just walk away from this things. But technically, yes, it is dischargeable. If you don't hit any of these thresholds, agree to the credit counseling, and go through increased documentation and court scrutiny. So. I haven't ever done bankruptcy law at all. I don't think I even took the course in law school. So that's super complicated. But that is... Bankruptcy law is like divorce law. The only people get rich from it are the lawyers. That's certainly true.

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But 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. And he passed today, and we certainly mourn his passing. celebrate his life and we wanted to make sure that we mentioned that. And if you have not gone and seen some of the stuff that he did, it was very profound and powerful in the later years of his life. That was a really beautiful and extemporaneous eulogy, Clay. I'm impressed. Well, thank you. But yeah, I really liked the guy. I was impressed by him. And I think we need more voices like him in the creative space who have success and are willing to call out BS. For that reason, I certainly salute him. So a little bit of a downer to end the show with, but I mentioned earlier in the show that that had happened, and I wanted to make sure that we honored him and his life in a way that was deserved. And so hopefully we did that here at the end of the show. We'll be back with all of you tomorrow. I will be up in D.C. Wednesday and Thursday. So I'll be in our D.C. studio. Look forward to that. Hopefully we'll have some good guests for you, all that coming your way. Bach with his teenager haircut. He'll be with all of you tomorrow as well. Looking cool.