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June 30, 2025 27 mins

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The student debt crisis has trapped 32 million Americans in financial quicksand, fueling a dangerous rise in socialist politics across urban centers. When educated young people have no path to economic freedom, they inevitably turn to government solutions.

Herbie K explores this connection through personal stories and historical patterns, drawing parallels between economic hopelessness and political radicalization. The recent election of socialist candidates in New York isn't surprising when we understand who's voting for them—predominantly educated white voters buried under student debt with degrees that offer little financial return.

Through prison experiences and Jewish history, Herbie shares a powerful perspective on overcoming victimhood. Rather than wallowing in despair, he advocates for finding alternative paths forward: "Find a way and forget them." This approach, which helped Jewish communities survive centuries of persecution, offers wisdom for anyone facing seemingly insurmountable obstacles.

The podcast warns that America stands on an economic precipice, with student debt representing just one aspect of our financial vulnerability. Despite political victories, we must address these fundamental economic challenges before they trigger widespread collapse. Herbie proposes allowing student loan bankruptcy as a pragmatic solution—creating consequences through credit damage while offering escape from perpetual debt.

Antipolitism—a system of government based on merit and lottery rather than elections—represents Herbie's vision for breaking this cycle of political failure. His book "A Radical Reset" outlines this alternative approach for those seeking solutions beyond our current broken system.

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Episode Transcript

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Speaker 1 (00:01):
Hey, dudes and dudettes, it's me Herbie K, your
host at A Radical Reset, thehome of Antipolitism.
Before I get started, for thoseof you who are here for the
first time, don't forget tocheck out A Radical Reset.
It is the manifesto ofAntipolitism, available to you
on Amazon in Kindle, paperbackor hardcover.
Antipolitism is a new kind ofrepublic where, instead of

(00:24):
elections, we have selection bymerit and lottery.
I know that sounds strange, butit'll seem completely logical
after you read it.
We're here to start a movementbecause the politicians of this
country, right and left, havemessed us up beyond all belief,
and anti-politism is the way tonot only fix the problem once

(00:45):
and for all, but keep it fixed.
Okay, so let's see.
What do we want to talk abouttoday?
I want to talk.
Well, first of all, let me justcover a few items in the news.
Donald Trump has had aremarkable week.
I think that goes withoutsaying.
In my lifetime I'm 68 years oldI would say this is probably
the he's been, from the day hewas inaugurated until today, the

(01:07):
most productive president of mylifetime.
I would say LBJ, and when I sayproductive, I'm not saying good
or bad, just the sheer amountof laws and executive orders and
changes and deregulations andnegotiations and peace treaties
and the tariffs.
I think he dwarfs LBJ and LBJwas really something, although I

(01:31):
stand to be proven wrong onthat.
But if he isn't the number one,he is a close number two.
A remarkable, remarkable amountof productivity, and most of it
, seemingly early, is good.
One warning I wanted to voicetoday, before I got into the
meat of today's podcast, is youknow, pride goeth before a fall.

(01:53):
I just want to tell all my MAGAfriends everything is going
Trump's way and I want to relatea story to you guys of years
ago.
So I have a first cousin.
His name is Marty Marty.
He's retired now, he's 80 yearsold, but this is decades ago,
back when he was activelypracticing law and I was on top

(02:14):
of my game and we were bothsitting.
He lived in Miami and I livedin Tucson and both of us had
offices on the top floors ofhigh rises and we're doing very
well and everything was greatand Marty and I have always been
closer than cousins normallyare, more like I won't say like
brothers, that's delusional butreally good cousins.

(02:34):
So anyway, long story short, Iwas talking to Marty one day in
my office.
I had my feet up on my desk andeverything was.
The world was in a good placethat day, and for him too, and
so you know.
So I asked how's Nancy?
That's his wife?
He said great.
How's Terry?
That was my wife.
Great.
How are the kids?
Great.
How are your kids?
Great.
What's new?
Everything was great, great,great, great, great, great.

(02:56):
And then we both got deadlysilent and there was about.
You know how a prolongedsilence might only be 30 seconds
, but it feels like an hour.
We had a long silence.
It could have been 30 seconds,60 seconds, but neither one of
us said anything.
The line was just open.
And then Marty said you'rewaiting for the Cossacks, aren't
you?
Now, that's the truth.

(03:18):
And then we both laughed.
Now, for those of you who aren'tJewish and don't get that
reference, the Cossacks weresoldiers of the Tsar who would
ride into Jewish villages andslaughter the men and rape the
women, and this was aninstitutional practice in the
days of the Tsar.
So you know, the Cossacks hadbecome emblematic, and the thing

(03:41):
is, they would ride into townand you never knew when they
were coming.
Had become emblematic, and thething is, they would ride into
town and you never knew whenthey were coming.
So what's happened to theJewish psyche over the years is
that because you know,inarguably Jewish people are the
most persecuted people inhistory.
You know you can.
Those of you out there who areanti-Semitic, there's nothing I
can say to you, becauseanti-Semitism is a thought crime
and telling you not to beanti-Semitic is, you know, a

(04:05):
waste of my time and effort.
So if you hate Jews, you hateJews.
I don't care, I don't like youeither.
You know it's.
I don't like to, I don't liketo get engaged in that sort of
thing, but we are.
We've been persecuted forthousands of years.
You know black people, a littleover a hundred years, jewish
people, thousands of years.
And in the last century, theHolocaust need I say more?
And that was only the latest.

(04:25):
Well, it's not even the latest.
October the 7th was a slaughterand a rape.
Anyway, we Jews have grown toexpect it, quite frankly, and
we're not surprised when thingslike this happen and in a weird
way, and this is how we'vesurvived all these centuries
we've learned to cope throughfinding a way around it and just
expecting it to happen and notbeing surprised when it does.

(04:47):
It's like an optimisticfatalism.
We're optimistic, we're goingto survive.
Another thing about beingJewish is, at least for me
anyway they come and they go.
We're still here.
That's kind of how I look at it.
They come, they go.
There have been bad peoplebefore.
There will be bad people again,but for whatever reason, we
outlast them.
And I think one of thosereasons is that, while we are

(05:10):
fatalistic, we know bad thingsare going to happen, we're
always prepared for them andwe're calm.
We don't just fall apart.
We don't, you know, descendinto victimhood.
We find a way.
You know, relating anotherprison story to you, another
story to you.
This is a prison story when Iwas in prison and yes, those of
you who are new to the show, Iwas in prison.
I make no secret of it.

(05:30):
There are discussions of it alittle bit in past episodes.
I don't go into it very deeply,guys, just as review, because I
feel like I'm on my road toredemption, and part of
redemption is not making excuses, and the minute that I start to
explain how I did what I did,um, it's going to sound like
weaseling and I, I, I just don'twant to do it.

(05:52):
It would be an insult to thevictims of my crime.
It would be an insult, frankly,to to my path to redemption.
So I never, I just don't gointo it.
To my path to redemption, so Inever, I just don't go into it.
I did it, how I did it, why Idid it, the circumstances of
when I did it, all those thingsI never discussed because I just
don't want to weasel it's I.

(06:13):
I live in deep remorse over itand that's as much as I'm going
to share as I'm going to share.
But anyway, I did learn a lot inprison.
It was a net positiveexperience, if you can believe
that.
So, while I was in prison,because I was educated, although
I'm an autodidact, I'mobviously educated, though I'm
uneducated.
I know that sounds strange, butanyway, you hear the vernacular

(06:35):
that I speak in.
By the way, this is my normalspeech.
I'm not adding words likevernacular to be fancy.
You know what I mean.
It's just part of how I speak.
So I come off as educated eventhough I'm an autodid.
The COs, the correctionsofficers, they have to teach
various classes of what arecalled re-entry classes, of
teaching a lot of these very,very damaged men, all of these

(06:59):
very damaged men.
These are mandatory classes howto get back into society, which
are, by the way, they pretendto teach the classes.
The men pretend to listen.
Nobody gets anything out ofthem.
It's just a giant kabukitheater to prove to the
taxpayers there's some sort ofrehabilitation going on.
But anyway, when I was atKingman Prison, a lot of the COs

(07:20):
would ask me to teach theirclasses for them.
Now they would do that for tworeasons.
One is they didn't feel liketeaching their classes because,
like I said, it's a kabuki andwould you?
I mean, I don't blame them.
And secondly, the couple ofclasses I had taught up to that
point proved to be reallypopular and the inmates really
liked me and they liked it, evenpeople that didn't have my
class crammed in because Ididn't stick to the curriculum I

(07:44):
would go off.
And one of the in reentry,especially when I was talking,
there was a class on racism andall that.
You know, all the woke crap.
I was in prison from 2015 to 19.
So it was, you know, there wasa lot of wokeism, a lot of DEI,
a lot of racial understanding,bullshit.
And so I was teaching thisclass on this, on this racial

(08:05):
class, and I said to the blackguys and, by the way, I want you
to understand that prison isheavily segregated.
Okay, not not by the, the staffof the prison, but by the
inmates themselves, the racesleft to their own devices of
that socioeconomic class I wantto make that clear Of that
particular low end of the runsocioeconomic class.

(08:27):
The races do not want to mix,they don't like each other.
It's not that they're out tokill each other, it's kind of a
soft racism in the sense thatthey get along fine but they
don't mix, they don't go intoeach other's areas.
It's forbidden to eat withanother race.
I'm not going to go throughthem all, but there's lots of

(08:48):
rules.
But I get along really well withthe black guys.
They protected me in prison.
The white guys are the ones Ihad a hard time with because
they were mostly skinheads andAryan brothers and being Jewish
didn't really endear me to them.
But the black guys protected me.
So I had a very goodrelationship with the black.
The white guys call themselvesthe woods, which is short for
Peckerwood, and I don't know whywhite guys pick that title, but

(09:09):
that's what it is.
They're the woods.
The black guys are the kinfolk.
So I rolled with the kinfolkall the time and I got along
great with the yard boss and hisname was Big Chris, anyway.
So I was teaching these reentryclasses and I knew all these
young black men because I hungout with them and spent time on
the yard with them and walkedthe yard with them, and one of
the things I did in prison was Iwrote motions.

(09:29):
I'm not a lawyer, but I've beenaround so many lawyers over the
years.
I'm kind of another autodidactlawyer, so I know how to use the
law library and find precedentand cite it and write motions
and so on and so forth.
I even got a guy out of prisonso I'm very proud of that on a
gun charge, illegal search andseizure.

(09:50):
I was very happy with that oneand the guy was innocent, by the
way.
So not only did I get him out,but he was an innocent man.
He was one of the very fewinnocent men I met in prison.
But anyway, to make a longstory short, I knew these men, I
had a good relationship withthem so I could say things that
you might cringe at the thoughtof saying.
And so I'm teaching this classand I said to the black guys
you've got to stop being suchvictims.

(10:11):
This is getting you nowhere.
This victimhood thing, thisreparations thing.
You've got to all pretendyou're Jews, man, and they
looked at me and said what doyou mean?
And I said find a way and fuckthem.
You know, jews have beencrapped on for years.
We don't try to change the mindof the anti-Semites, we just
find a way around them.
And that's the best advice youcan give to somebody who's being

(10:33):
persecuted, whether it's fortheir race or for their religion
, or their sexual orientation orwhatever it is.
You know, turning yourself intoa victim of whatever the kind
of persecution it is that you'reexperiencing is not going to
lead to a positive outcome.
It's going to lead todepression and victimhood.
That's the only possibleoutcome of playing the victim.
Victimhood, that's the onlypossible outcome of playing the

(10:55):
victim.
And this is why people who arehustlers race hustlers, religion
hustlers you know they play onthat.
They know how to manipulate youbecause you're weak, because
you buy into this nonsense,instead say to yourself you know
what?
I'm not going to change theirmind, so fuck them, find a way
and fuck them.
You know, one of the reasonsthat the Jews are so prevalent
in Hollywood is that we inventedthe business Back in the turn

(11:18):
of the 19th to the 20th century.
Jews.
When they first came to America, like my grandparents, they
were shut out of everything.
You know Jewish bankers goodluck finding one but they were
shut out of banking for forever.
They're, of course, they'reJews.
Today they're in banking, butthe largest banker in the world
is Syrian, jamie Dimon.
He's not a Jew, you know that'sCitibank and, by the way, not

(11:39):
that it's important, but youknow that old the Jewish bankers
, the only Jewish bankers in theworld, are in Israel.
And what else would they be inIsrael?
You know, like, wake up.
So.
But a lot of.
We were shut out of the big lawfirms.
We were shut out of medicine.
All the things we're in today.
We finally got into we couldn'tget into then, and so we just
started our own industry, andthat industry was the motion
picture industry that nobodyeven knew about.

(12:01):
First the silence, then thetalkies.
That's why there's Jewish namesMetro, golden, mayor, you know.
And oh, there's all the WarnerBrothers, which is Jack Warner
and his brother.
I forget what was his brother'sname, I don't remember.
I need to take a sip of water.
Hold on, anyway, find a way andfuck.
Okay, let's get onto, let's getoff of all of these tangents.

(12:22):
I don't know what made me gooff there, but that's what makes
the show interesting.
I think I am willing to tell astory and go off and do a
tangent.
I like to teach by storytelling.
It's just, and I just have somany true life stories.
You know that I've reallyexperienced and they're
interesting.
I think they're interesting Ifyou, if you do too, do me a
favor and comment.
Let me know that you like thestories.
If you don't like the stories,then by all means comment and

(12:44):
say stop with the storiesalready.
Stick on, stick on the subject.
I get it bit Anyway.
So let's talk about what I wasgoing to talk about today, which
is the elections in New York ofthe communist and I'm not going
to well, socialist communist,call them what you want Zoran, I
can never think of his lastname, anyway, zoran.

(13:04):
Zoran, who's the name of thefortune teller in the movie Big.
I don't know if you rememberthat when you went on the
boardwalk and the Tom Hankscharacter, the little boy
character, wanted to be big.
Anyway, that was Zoran.
Just thought I'd throw it out.
Zoran is the inevitableoutgrowth of 32 million

(13:28):
overeducated young people nowburied in student debt so deep
that they'll never get out andhave no hope for their future.
This is this outcome is adirect.
If you look at who elected him,he was elected by highly
educated white people Okay, andyoung, highly educated white
people.
He was the blue collar folks inNew York, of all races, did not

(13:50):
go majority for Zoran.
Okay, the, the, the educatedwhite people went for Zoran.
Weirdly, a lot of educated whiteJews went for Zoran and the
guy's an open anti-Semite which,by the way, just as a side note
, there's a strain of Jews inthe United States who, though
they are capitalists, vote likecommunists and because they

(14:11):
don't really believe in God,they're secular Jews.
Their politics come beforetheir religion and this is why
they'll support a guy like Zoran, even though they're kind of
ashamed of their Jewishness.
They're the ones who changedtheir well, my last name is
definitely not originally K, Idon't know what it was, I didn't
do it but they're the ones whochanged their names and make
them more anglicized and allthat kind of stuff.

(14:32):
So, long story short, zorangets elected, but the reason
he's elected isn't because ofAOC or just New York City in
particular.
It's that in New York City is aconcentration of highly
educated white people who areburied in student debt and
across the United States.
And what happens is when youbury 32 million people and

(14:53):
that's how many we're talkingabout when 32 million people are
in debt so deeply, and whenthey took on the debt, many of
them either didn't use the moneyfor school at all, never
finished and just left with thedebt and used it to buy cars and
blow it, because there werevery loose controls on how that
money was used, depending onwhat kind of student loan it was

(15:15):
, and it was all guaranteed bythe government.
So you know, there you go.
Or they got degrees, largely inthings that are completely
useless.
You know a degree in Africanstudies or in Asian studies, or
in Latin American studies, or inyou know English literature, or

(15:38):
you know there are a lot ofdegrees that are great to get.
The problem is they don't payanything and so you have no hope
of repaying the debt you tookon.
When you took on all that debt,that $100,000 or more of student
debt, that's burying you todayand accruing interest, and
you're trapped in it because youcan't even bankrupt it out.

(15:58):
It's like taxes.
There are two things you can'tbankrupt out of taxes and
student debt.
It's government guaranteedstudent debt and we're going to
have to do something about this,because what's happened is
because the average human beingis not a go-getter.
The average human being is ago-along to get along, and
there's nothing wrong with that,by the way, but it makes them
easily manipulable,manipulatable.

(16:19):
A lot of syllables there.
Anyway, they've been.
Let's slow down.
They've been manipulated.
And what happens is andhistorically, this is not the
first time it happens when theyoung generation coming up loses
all hope, for whatever reason.
If they're, in this case,buried in debt and debt's so
high that they'll never have afirst home, they'll never be

(16:40):
able to save money, they'llnever get ahead of it.
They feel trapped by it.
They'll never get ahead of it.
They feel trapped by it.
They have degrees thattranslate to nothing, or they
have no degrees at all, andthey're just sitting under all
this debt and they're trappedand they can't bankrupt out of
it.
Naturally, they're going toturn to somewhere to get
something that they can't getfor themselves, and that
somewhere is always thegovernment.
So what happens is,historically, is that the

(17:02):
government becomes very, verysocialist.
This is how socialism happensand then it gives away a whole
bunch of crap and then itcollapses, and then the right
takes over and it starts tocycle over again.
Because socialism doesn't work,no matter how you try it, no
matter what you do with it.
Right now, as we speak, theChinese economy is in the midst
of the greatest economiccollapse of any country in
history, though completelyunreported, or almost completely

(17:23):
unreported, in the Westernpress, partially, I think,
because of economic ignorance,partially because it would break
the spell of themilitary-industrial complex
trying to talk us into believingthat we're going to have to
defend Taiwan, when we're not.
The Chinese are not going toinvade Taiwan, maybe out of
complete desperation, maybe, whoknows, but very unlikely.

(17:45):
Anyway, socialism doesn't work.
It doesn't work anywhere.
No matter how you try tosugarcoat it or put it together,
every country that's ever triedit dumps it, and they always
end up.
And what's happening in Europenow is they've socialized too
much, they've buried their youngpeople, they've put them behind
the eight ball, and all ofwhat's going on in Europe is a
direct result of no hope.

(18:07):
In our country it just manifestsas student loans and we're
going to have to do somethingabout it Now.
Biden, his idea was to simplyforgive the loans.
I know this is going to makethe heads of my MAGA friends
explode, but I understand whyBiden wanted to forgive the
student debt Now.
It's unfair because then theperson that took the debt and a

(18:28):
lot of these people knew exactlywhat they were doing and they
were hustling the system.
And let's not kid each other,they don't want to suffer a
consequence.
But if you forgive the debt,someone has to pay for those
guarantees, those loans andthose loans will be paid back by
the government, which means thetaxpayers have to pay for those
guarantees, those loans andthose loans will be paid back by
the government, which means thetaxpayers have to pay it back.
So that was dead on arrival.

(18:49):
There's never going to bestudent loan forgiveness until
someone, like you know, zoran,becomes the president of the
United States and they controlthe Congress, which isn't going
to happen.
The country's economy willcollapse long before then.
Now, having said that, they'regoing to become increasingly
successful, particularly in theinner cities, where a lot of
these highly educated whitepeople and highly educated

(19:10):
people of all races, frankly,are trapped and getting angrier
and angrier by the moment, andthe anger is being played upon,
disrupted, and this flood ofmoney has resulted in an
enormous amount of unnecessaryadministrators, an enormous

(19:36):
amount of unnecessary teachers.
Frankly, an enormous amount ofunnecessary building, an
enormous amount of unnecessaryeverything.
Because they basically had afree money tap, the kids could
get all the money they needed.
The money went to theuniversities.
The universities had anunending flow of it and it was a
collusion between theDepartment of Education, which
really only exists to makestudent loans, and Trump's
trying to kill it.
Thank God Student loans have toend.
Okay, education is going tohave to change its business

(19:59):
model and soon it's out ofcontrol.
It's all out of control.
I'm telling you what youalready know.
The point of today's story is,when you make people hopeless,
they turn into socialistsbecause they have only the
government to turn to.
And the solution here?
There is no solution.
Thomas Sowell said there are nosolutions, only trade-offs.
I live by that.
There are no solutions toanything but the trade-off.

(20:21):
A better trade-off here would beto allow them to bankrupt the
debt.
Now, that would still end up.
The money would be lost, butthey would suffer a consequence.
Yes, the taxpayers would end upeating a lot of the guarantees.
You know we've done incrediblystupid things.
We're just going to all have topay the price for it.
We voted these schmucks intooffice.
We're going to have to livewith it, which is a good
argument for beinganti-political, by the way, none

(20:43):
of this would have everhappened in an anti-political
government.
But we are where we are, we'rein a place where we're in, and
these kids, if they aren't givena path to financial success,
they will continue to descendinto socialism.
We must let them get out fromunder it, and the way to let
them get out from under it is toallow them to bankrupt that

(21:03):
debt.
And then, yes, their creditwill be wrecked for a period of
years, but that's the price youpay for making a stupid decision
, and consequence is the onlyteacher.
So the trade-off here is yes,the taxpayers would have to eat
some of the debt and it's goingto add to our already existing
government debts.
We don't have the money to paythe debt.
I mean, I keep saying the worddebt.
We have so much debt everywhere.

(21:24):
This is what really worries me.
This is why I warned at thebeginning of the podcast all my
MAGA friends pride goeth beforea fall.
This debt could come out andbite us on the rear end at any
moment.
We're in the precipice of aterrible situation and President
Trump, for all of his positiveattributes, is simply ignoring
this, and his plan is we'regoing to grow out of it, and

(21:44):
maybe we will, and I hope he'sright and I hope that my
concerns are fruitless.
But at this moment I'm waitingfor the Cossacks.
I know they're going to show up.
They just haven't shown up yet.
My friends, all of you who areMAGA, the Cossacks are coming.
The Cossacks are coming andwe're all going to.
All of us Americans are goingto have to face them together.

(22:05):
We have sown a lot of poisonouspills into our.
I know I'm mixing and fracturingand ruining metaphors and
analogies here.
Just go with me.
We have baked in an enormousamount of inefficiency and
disruption in a system thatotherwise would work, and we're
going to have to unwind it.
And then unwinding is not goingto be painless and we're all
going to have to take theconsequences of it.

(22:27):
But you know, new York is aboutto be ruined and it's a goddamn
shame, and it's going to beruined because of this exact
problem.
It isn't the Hamas thing isbeing financed by foreign money.
Okay, that's not it.
What's going on here is a bunch.
Of the reason these white kidsfall into you know they're

(22:50):
demonstrating for Hamas is theydon't know what else to do with
themselves.
They have no hope in a career.
They're buried under studentdebt, they have degrees in
nothing and they're just angry,and so it's manifesting itself.
We have to let them get outfrom under it, and a big way to
do that would be to allow themto bankrupt student debt.
Okay, let's just wrap this upand take care of the business.
Don't forget to share this withall your friends.

(23:11):
Yada, yada, yada.
You know the drill.
Please pick up a copy of ARadical Reset on Amazon in
Kindle paperback or hardcover.
The Manifesto of Antipolitism.
Democracy I don't like the worddemocracy.
Democracy is mob rule, arepublic by lottery, by
merit-based lottery.
I know that's different.
I know it sounds crazy, butcrazier things have happened.

(23:33):
You know people, the cynical.
I'm asking you to be a skeptic,not a cynic.
A cynic says it'll never happen.
A skeptic says show me how itcould happen.
Read the book.
That's how it happens.
Pick up a copy of A RadicalReset by me, herbie K.
I spell Herbie with a Y, not anIE.
I don't know.
That started my childhood.
I've just always kept it.
I kind of like it.

(23:54):
That's it.
Have a beautiful day, abeautiful week ahead.
I'll talk to you on Wednesdayand until then this is your pal
Herbie.
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The Breakfast Club

The Breakfast Club

The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!

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