November 13, 2025 • 31 mins
Michael Berry explores the truth behind testosterone therapy, prostate cancer myths, and why reverse mortgages, payday loans, and 50-year mortgages aren’t always bad. Learn about personal finance, debt management, and the libertarian principle of freedom to choose—even if it means making mistakes.
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Episode Transcript
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Speaker 1 (00:02):
It's that time time, time, time, luck and load. So
Michael Varry Show is on the air. Good mornings are
(00:29):
I heard you talking about Robert Frost earlier I got
on my cowboy boots.
Speaker 2 (00:35):
I don't know if you're aware of this or not,
but one of the most profound and eloquent American poets
of all time was born on this day in nineteen
forty six in Soper, Oklahoma, wishing a big old screw you.
We're from Texas. Happy birthday to Ray Wiley Hubbard.
Speaker 3 (00:50):
Medle Fan that's soldern Riot.
Speaker 1 (00:54):
Sometimes we're sloppy.
Speaker 3 (00:56):
We're always loud and night Woods and Stamer and locked
the Pucketts. To screw you woo from Texas. Screwed word
from Texas. Screw you go from Texas with from Texas. Baker.
Speaker 1 (01:13):
It's a screw now.
Speaker 3 (01:29):
I love the USA and the other sticks.
Speaker 1 (01:33):
They're okay. Texas is the police. I won't have been.
I don't care if I ever go to tell her anyway,
because we've got stood up, some Green Hall and Antone,
some Jaunty's Country Store.
Speaker 3 (01:49):
I've got Willie and Jack and Jack, Robert Earl, Pat Cory,
Charlie Man, so many more. Let's to screw you we
from Texas, screw WO from Texas, scrillio wor from Texas
from Texas, screw you say it with me, screw you
(02:12):
worth from Texas, screw you work in Texas.
Speaker 1 (02:17):
The screw WO from Texas, woof from Texas.
Speaker 3 (02:23):
Three.
Speaker 2 (02:49):
So now Texas is gonna I think my frustration over
how people react to issues like that. It's probably quite
similar to how people react to politics, which also found frustrating,
and that is they don't want to actually invest any
(03:10):
time into the subtle nuances of issues. Well, how come
we can't just vote for John corn and Michael he's
a Republican. Why are we fighting amongst ourselves? Let's fight
the Democrats? Michael, Why do we want to fight a Republican?
We already got him. Let's go somewhere where they got
(03:32):
a Democrat and fight the Democrat. And the understanding of
the proper answer to that question is the understanding of
how you fix the problems in this country. But they
are not simple, They are not easy.
Speaker 1 (03:50):
It's just that simple. My urologists no with Kira.
Speaker 2 (03:56):
Will steadfastly maintain that increasing the hormone testosterone does not
necessarily increase the rate or risk of prostate cancer that
comes from one study some number of years ago that
has been basically repudiated, but it's become offhand. People here
(04:21):
get testosterone, get prostate cancer. Well, what is it that
the odds are. My uncle, who was a prostate cancer doctor,
my wife's uncle, told me, if you live to be seventy,
this is offhand, simple math. If you live to be seven,
you've got a seventy percent chance of getting prostate cancer,
and at a percent for every year thereafter, eventually almost
(04:43):
every man would get prostate cancer.
Speaker 1 (04:45):
It's a flaw in the system. It's just there. We
weren't meant to live this long and now here we are.
Speaker 2 (04:52):
So if a man starts taking testosterone and five years
later they get prostate cancer, the immediate rec action is,
well the testosterone did it okay? Well what if that
same man didn't take testosterone and got prostate cancer. Nobody
stops to think, oh, well, maybe you can get prostate
(05:14):
cancer without it. Maybe long before we were doing hormone
replacement treatment, we were getting prostate cancer. And the tie
is not necessarily direct, and we've learned that. But once
that was learned, a number of primary physicians will simply
(05:35):
say that. I've had people email me, Hey, I heard
you talking about testosterone and how much has helped you
and all these other people, and.
Speaker 1 (05:43):
You think it's great, but my doctor says, not to
do it. I'll get prostate cancer. All right?
Speaker 2 (05:48):
You mean you're seventy year old doctor that has not
stayed up with any trend since graduating from medical school,
who walks in every day and says, hey, how you doing, Bob,
good to see you.
Speaker 1 (05:58):
What can I write your script for? Gone in forty
five seconds?
Speaker 2 (06:01):
Oh, that genius told you that you're that impressed that
he went to medical school forty five years ago.
Speaker 1 (06:08):
Good for you. I wish you the absolute best.
Speaker 2 (06:11):
You should also ask him about the effects of carbohydrates,
what amount of water you should be drinking, and see
what other of doctors Bock's list of top ten things.
Speaker 1 (06:21):
To do from nineteen sixty seven.
Speaker 2 (06:22):
He quotes you because that guy hasn't had an independent
thought since Kennedy was president, and that is true of
a number of doctors. There are doctors who have not
learned anything new in forty years. They're just going through
the motion. They're walking in and writing you. Oh, somebody
in your family's got the flu. Here's tama flu. Oh,
(06:45):
here's a Z pack. Okay, But what I'm trying to
tell you is I have horrible hemorrhoids and my chest
is pounding out of my heart is pounding out of
my chest, and I have a ringing headache.
Speaker 1 (06:59):
Yeah, let's go on to do a Z pack. Okay, Doc,
I just got shot in the hip.
Speaker 2 (07:04):
I'm bleeding out. I'm not sure what I should do.
I'll write you a Z pack. Well, that's not practicing medicine.
I didn't intend to go off on this from mom.
Speaker 1 (07:14):
Who are you to question buck? Or you didn't go
to medical school.
Speaker 2 (07:19):
I have had conversations about the law on the deepest,
most profound level my life, more often than not with
non lawyers. And if you think having gone to law
school and having two law degrees means I know anything
more than somebody who's been practicing for twenty years, who
actually does it going to school for something, I could
(07:44):
question you about something you learned in junior year Civics
that you don't remember. That doesn't make you an expert
on it, all right? So reverse mortgage, credit card, payday loan, pawnshop,
fifty year mortgage.
Speaker 1 (08:01):
That's just five things I came up with that people.
Speaker 2 (08:04):
Offhandedly are opposed to that in some rare circumstances are
not of necessary, they're the right thing for that person.
So I have been exploring options from my friend who
is mid to late sixties. I guess you have to
be sixty two to qualify for reverse mortgage. I've never
really dug into reverse mortgage. I just always kind of
(08:25):
heard they were terrible. So I started digging into it
and he sent me the actual documents. You have disclosure
requirements now, just like you when you have a settlement statement.
It's not a ten ninety eight, what's the twelve ninety
there's a number for it. I used to know these
things when you when you close on a real estate transaction,
(08:46):
there is a what's is shorthand referred to as the hood,
but it's the standardized form where you see the expenses
that title companies taking out and the appraisal, who's paying
for what, what the final settlement numbers are. And then
in your loan documents there are truth in lending disclosures.
(09:09):
And I suspect I don't know this, but I suspect
most people don't bother to read those and the truth
in lending disclosures will reveal to you that you think
you got a six point five percent interest rate on
the money they lend you, But when you build in
all the fees that they add to that, it is
(09:29):
as if you paid I don't know seven point two
or I don't know some higher number, because all of
those are the costs associated with borrowing the money. So
people get hung up on what the percentage rate is.
But in many cases you have to buy down that
percentage rate, so you've actually paid them for a lower
(09:50):
percentage rate, which is the equivalent of paying a higher
percentage rate. Otherwise you could have kept the cash and
put it somewhere else. And if you look at those numbers,
you get a better sense of what that money costs
you to borrow. Well, credit cards, I don't know what
I used to know. They used to a credit card
couldn't charge you more than I think twenty nine percent,
(10:12):
And so people get very angry about credit cards. And
the reason people get angry about credit cards is the
reason we have many other problems in this country, and
that's a lack of accountability.
Speaker 1 (10:26):
If you borrow the money you owe the money. Yeah,
but then I lost my.
Speaker 2 (10:32):
Job and then I okay, but that's part of the
calculation before you borrow money. People who find themselves constantly
being screwed by high interest rates and all these terrible
things for things that were clearly disclosed, that's an important
part of the story, are not really victims.
Speaker 1 (10:53):
They're idiots.
Speaker 2 (10:56):
And if they're honest with themselves, they made a mistake,
a mistake that you're going to have to pay for.
It is as simple as that. And because we have
told people there are no consequences for bad actions, that's
what abortion is. That's what the abortion advocates want. They
want in consequential sex. They don't want there to be
(11:19):
a baby if they do everything necessary to make a baby,
because they weren't in the baby making mode, they were
in the humping mode, and a baby just appears. Well,
that's a consequence of that action. Many people never learn,
and this is a lack of good parenting, that there
(11:41):
are consequences for actions.
Speaker 1 (11:43):
It is as simple as that.
Speaker 2 (11:46):
And the inability to accept those consequences, the desire to deflect,
to blame, to be a victim, to seek to go
fundme to whatever else.
Speaker 1 (11:59):
The credit card business.
Speaker 2 (12:01):
If people operated on the premise, then if you have
to put it on your credit card, you can't afford it.
Speaker 1 (12:08):
We lived in privation as a child. I didn't suffer.
I learned.
Speaker 2 (12:13):
I'm grateful for it. My dad didn't buy things. He
just didn't buy things until he could afford to buy it.
He finally got a Discover card, and I kid him
about that. I handle everything for him now, but I
kid him about that. There's no monthly subscriptions on the
Discover card. There's no hey, how did this get on here?
Speaker 1 (12:35):
There's no PlayStation games. Do do do? The Discover card
was used.
Speaker 2 (12:42):
If he went into town and had to get milk
and bread and didn't have cash on him, and then
he'd drive home and he'd probably write.
Speaker 1 (12:49):
A check that day to Discover.
Speaker 2 (12:51):
Oh he's a great Discover card because they get their
fees on his transactions and they never ever have a
problem the payday loan. Everyone hay to pay day loan
because the rates are too high. Okay, tell you what
if you don't like the payday loan rates and they're
so evil because they're so high, how about this, how
(13:13):
about you give the loans they're getting rich off of them. Right,
If it's such, if it's such a usorious thing and
it's so insanely profitable, then why doesn't everybody do it?
Because you don't want to have to deal with the
people who take payday loans. You ever seen one of
(13:33):
those things. It looks like an Asian owned liquor store
in the hood. They've got a lot of times they
have an officer on duty, or they have a car
parked out front to make people think there's an officer
on duty that's not working. They've got a cage inside there.
Because you're dealing with people who are desperate, and this
is what we don't discuss. So what are we to
(13:55):
do when people are desperate? Are we to say, when
you're desperate, there will be no way for you to
get money, none, none that are legal. We refuse to
make them legal. There will be no way for you
to access cash when you are desperate. What do you
think people are going to do if they're so desperate
(14:18):
as to enter into a really, really bad transaction.
Speaker 1 (14:23):
They're pretty desperate. What do you think is going to
be the alternative? In the marketplace?
Speaker 2 (14:30):
You create products for different people at different points in
their lives, and if we prohibit the making of products
for people who are in a really bad way, are
we doing them a favor? First of all, we're not
respecting that they can make a decision as to what's
in their best interest at this time. Haven't you ever
(14:53):
in your life said, you know what, I'll suck it
up and accept this terrible deal right now because I
need this right now, and I'll never let myself get
in this situation again. What if you need cash to
get out of trouble? What if you need cash? I
don't know what people use cash for. Maybe you need
cash for something, Well, it's some drugs. Michael, Okay, well
(15:15):
drugs are illegal.
Speaker 1 (15:17):
But you don't know that.
Speaker 2 (15:19):
This all goes back to the core, the core idea
that it is not our responsibility nor our privilege to
get to control the lives of other people. Simple you
don't get to make decisions as to what they eat,
when they sleep, what time they go to bed, and
what terms they borrow money under.
Speaker 1 (15:41):
Lift laugh learning doing it big on the Michael Berry Show.
Let's take some calls on the is shoe.
Speaker 2 (15:50):
So we seven one three nine nine one thousand, seven
three nine nine nine one.
Speaker 1 (15:54):
Thousand, I saw. I saw.
Speaker 2 (16:02):
The meme about Dave Ramsey and it said Dave Ramsey's
in critical condition after learning of a fifty year mortgage.
Speaker 1 (16:09):
Of course it was a joke. It was Babylon b.
Speaker 2 (16:12):
And it was the idea that it flies in the
face of all the fundamentals that Dave preaches. And I
think that what Dave preaches is wonderful.
Speaker 1 (16:20):
I really do.
Speaker 2 (16:21):
And I think it's a good thing that someone has
built a national audience and has given people an opportunity
to learn about the fundamentals. It's basically the fundamentals of thrift.
It's learning that you have wants and needs. It's learning
that just because you can pay for something doesn't mean
(16:42):
you can afford it. It doesn't mean it's always in
your best interest. Now that being said, not everyone wants
to pay off every debt. Not everyone wants to live
in thrift, in penury, to be the millionaire next door.
I've read The Millionaire next Door, and I will tell
(17:04):
you I don't want to live that life. If you
read the Millionaire next Door, it's about the guy that
you don't realize how much he has in savings because
he drove a buick skylark or something forever, and he
lived in tiny little home, and he never took vacation,
and he never did anything to enjoy himself. I think
(17:27):
a lot of people make a calculated decision, a calculated
decision that they are going to live beyond their means,
and who are we to tell them they can't. I
think most Americans live beyond their means. So it drives
my dad crazy because he never took that. He had
to borrow a little money. He built our house, but
(17:49):
he had borrow a little money, and I think thirteen percent.
Dan PASTORNI told me he financed a house at seventeen percent.
Oh wow, have we reached a point in twenty twenty five?
That dam Pastrine doesn't get a dig I never thought
I'd see that that happen.
Speaker 1 (18:04):
Wow. He was love you blue.
Speaker 2 (18:07):
He was the quarterback for the Houston Oilers, and then
he was a drag racer and a boat racer and
an actor. Huh what friend of mine? Yeah, friend of mine? Yeah,
thank you. Anyway, So my dad paid that mortgage off
(18:27):
as fast as he could worked overtime. I remember he
was working overtime constantly to try to pay that darn house.
Speaker 1 (18:33):
Off because he was just eating at him.
Speaker 2 (18:36):
However, if people choose to live and have the things
they want and they pay those bills, it's the thing
about it is, as long as things are disclosed. In
my opinion, restaurants ought to be able to allow smoking.
The only thing I say is you should have to
(18:58):
have a sign on the front door that says smoking
aloud inside clear for everybody to see, because I don't
think it's fair as a cigar smoker for somebody to
walk into a restaurant, order their food, start eating, and
all of a sudden I fire up at the next table.
That's not fair to them. They didn't know that was
going to happen, and they didn't want to be exposed
to that. Okay, But if they come in eyes wide open,
(19:22):
fully aware, then why not let the restaurant do what
they want to do.
Speaker 1 (19:27):
It's the dumbest thing of our heart.
Speaker 2 (19:29):
I was on city council when we put in places
the cigarette band, and the funniest thing is the restaurants
were for the band on the bars because a band
on the bars would mean that you'd go to the
restaurant to drink, and then once they got looped into it,
all of a sudden they changed their mind.
Speaker 1 (19:47):
Oh no, no, we're against the band. We too late now.
Speaker 2 (19:52):
And so what it meant was restaurants just outside the
city limits boomed. You had these little mom and pop
cafes that were just outside the city limits where they
allowed people to smoke because they had forever, and people
started going there. I think we could all do well
to stop and think about what we actually think about things,
(20:13):
rather than hopping around over here. Well, I'm for spending
an unlimited amount of governmental money on dementia because my
mom has dementia. Okay, what about spending an unlimited amount
of money.
Speaker 1 (20:28):
On breast cancer?
Speaker 2 (20:29):
No, why are we going to give the government a
blank check? That's a terrible idea. I mean, I'm against
breast cancer and all, but why give Okay, but you
see that you're being inconsistent based purely on whether you
have a connection to it. That's how government works. They
go find pockets of people. They do this to blacks
and gays, and trends and immigrants and women. This is
how they get all the money from everybody to use
(20:53):
as they see fit and get rich off of because
they super serve these groups over here and give them
something that should have been opposed to. And that's how
it works. There's your problem, writ large boom, that's it.
But a fifty year mortgage. Let's let's talk about this.
A fifty year mortgage. I should have calculated the numbers.
It's not hard to do. Let's say you take a
(21:15):
three hundred thousand dollar house, more than most people are
going to spend on their homes. But let's just so
that we see the numbers. The higher the cost of
the house, the more this is going to be, the
more dramatic this is going to be. And I don't
know on a fifty year mortgage. So people are going
to say, and Dave Ramsey's gonna say this, and he'd
be right. He's going to say, for that I can
hear his voice, right, for that three hundred thousand dollars house,
(21:37):
you're gonna pay a million dollars. I don't know what
the number is, or fifty years probably would biggest. It's
going to depend on the interest rate. So let's say
especially you know, one of the reasons occasioning all of
this is interest rates right now, and interest rates are
not historically high. This is what people don't understand interest
rates are not higher than they've been historically.
Speaker 1 (21:59):
They're just higher than they were. For ten years.
Speaker 2 (22:02):
We got addicted to cheap money. Our economy was flowing
on cheap money. I used to say this during Trump's
first term, at the very beginning, that interest rates are
too low, and people would say, you're crazy, why do
you want to punish people? And my argument was, it
(22:23):
defies the laws of economics. To make money this cheap
for this long. It defies every law of economics. You
are going to have a long term inflationary effect. And
what's going to happen is at some point you have
to turn that spigot off. You cannot print free money forever.
You can't.
Speaker 1 (22:43):
It's unsustainable.
Speaker 2 (22:45):
You know. This is the old stories of you know
in Bolivia, where they're carrying their money in a wheelbarrow
to the restaurant to eat, and you have to hurry
because by the time you get there, the inflation has
gone even higher. The more money you pump into the economy,
which is what cheap money does. People take lots of debt.
When debt is when the cost of borrowing is cheap.
(23:06):
When you do that for that long, then you drive
down the value of cash reserves. You make it so
that no one wants to save anything anyway because your
money won't be worth anything tomorrow. And that's what we
did for a very long time. So then when those
interest rates went up to what I would consider to
be reasonable rates, people think they're very high. And everybody's
waiting on the sidelines right now for interest rates to
go down. That's why Trump's having to be push power
(23:28):
to lower.
Speaker 1 (23:28):
The interest rates.
Speaker 2 (23:33):
The only reason someone would finance something if they could
afford to pay cash for it is because they want
to hold onto their cash and use it for something else,
and they expect a steady revenue of cash coming in
over a period of time. I'm using cash as money,
(23:54):
not necessarily dollar bills, but for someone to say, rather
than pay one hundred thousand dollars for this home today,
I'd rather pay that out over X number of years.
Almost nobody has the money to pay cash for a home.
(24:15):
So when people tell you how horrible debt is, and look,
I get it, the whole screaming I'm out of debt
on Dave Ramsey Show, I think that's buying large a
good thing, because I'm not against people making having the
ability to make bad decisions for themselves. I believe this
is the libertarian in me. I believe in the sense
(24:35):
of freedom, the freedom to make bad decisions. You shouldn't
get married before you can support yourself. You shouldn't bring
a baby into the world before you can support it.
You shouldn't eat five thousand calories a day. All of
these things are ill advised, But I don't believe that
(24:57):
anyone else should be in the position of preventing you
from doing that.
Speaker 1 (25:01):
That's what freedom looks like. Freedom to choose the Milton
Friedman series.
Speaker 2 (25:08):
So we finance things so that we can have it
now and pay for it later, even if we have
to pay more for it later. If you look at
the standard of living in America, the number of things
people can buy and do, and that means not only
(25:29):
a house, about two or three vehicles per per family,
a second home, a place that Talita ben or round
Top or Belleville or wherever else New Ullum. You look
at the number of things that people have today versus
what they had in the seventies. People will tell you,
(25:51):
you know, my parents, I mean we don't have anything
like that. I mean, we're really struggling we don't have.
Speaker 1 (25:58):
Yeah, but.
Speaker 2 (26:01):
Think about how people live back then. First of all,
they never eat out. We don't eat out because we
have to. Nobody's forcing us to. It's an enjoyable thing.
Someone else cooks for you. Mama loves that she doesn't
have to do the dishes. You get to be in
a different place. You get to eat some things that
you don't even know how to make. In many cases,
(26:22):
you're eating food that's outside of your family's cultural cuisine.
Speaker 1 (26:28):
It's enjoyable to eat out. It's fun.
Speaker 2 (26:30):
You look forward to it. We arrange our time around food.
Many people eat out and eat out often. That costs
a lot of money. A new car or truck. That's
a treat.
Speaker 1 (26:42):
It's fun, it's nice. People like it.
Speaker 2 (26:44):
Nobody's making you do it. The fact that you can
finance it means that you get it now. See that's
the thing people don't pay attention to. The People who
want to tell you how horrible it is to have
debt have a different set of value than the people
who take debt. The person who's taking debt says, I
(27:06):
want to have nice things now, and I will pay
for them, and yes, I will pay too much for them.
Down the road, but I want to have them now.
Some people struggle with the idea that we're not all
the same person. We have different values. Some people don't
(27:27):
ever want to be married. They want to play the field.
Some people don't ever want to have children, and that's okay.
Some people don't want to work in an office. They
want to be as far from society as they can,
so they find a way to farm or do something
out in the country, and that might be different than
other people.
Speaker 1 (27:46):
Some people don't want to have.
Speaker 2 (27:47):
A television or a cell phone, or have their cell
phone on all the time and be reached like everybody else,
so they can always be at someone else's back and call.
Speaker 1 (27:57):
A lot of people struggle with the control of other people.
People to have to live exactly the way I do.
Speaker 2 (28:03):
Nobody is confused or doubting that a fifty year mortgage
means that you're going to pay more for that home
over the long term, even time adjusted, than you would
if you paid cash. There are costs associated with borrowing.
It's a financial instrument, period, end of story.
Speaker 1 (28:26):
That's all it is. It's a financial instrument.
Speaker 2 (28:29):
We have financial instruments for most every aspect of American life,
and when you throw in prop bets, there's a financial
instrument for almost everything. I remember years ago, must have
been about the late nineties. I had a neighbor who
got in. He was just an investor, and he got
into biatical contracts, and that's when people were dying of AIDS,
(28:51):
almost exclusively men. But men were dying of AIDS because
they had not created the cocktail that saves their lives.
You don't ever hear of anybody of AIDS anymore, but
it was a big deal back then, and so they
came out with again the financial instruments. It's very similar
to a reverse mortgage. It's just on your life instead
of your house. And as I understand it, the way
(29:11):
the biatical contract mean biatical meaning life. The way the
viatical contract worked was you would get this amount of
you'd have to have a life insurance policy, but you
would get your cash now. And the owner of the
viatical insurance policy, the policy is sure would get that.
(29:31):
You would get the life insurance when you died. And
I remember at the time there were horrible things being written. Oh,
these people are terrible. They're betting on someone's death, all right, well,
let's go ask John, who's eat up with AIDS, who's
got a few months left, who can't pay for his house,
(29:52):
He can't pay for anything. He has no cash and
no ability to work, and here is some one offering
him money in exchange for money. He's gonna get down the.
Speaker 1 (30:04):
Road but can't get Now you know who's betting on
his death?
Speaker 2 (30:09):
The life insurance policy. John's betting on his life insurance policy.
He wants the money that's gonna be paid when he
dies while he's alive. Are you telling me it's more
humane to let him die broke, miserable? Would we know
(30:30):
the day after he dies some cash is going to
flow in. Why not give him access to that cash
he paid for the policy? Oh well, it's just horrible.
It's terrible. Okay, some things in life are horrible and terrible.
Childbirth ain't pretty, parenting's pretty darn tough. The military goes
(30:52):
to hell to get ready for war. Just because things
are unpleasant to your immediate eye does not make them
horrible and terrible. And that we should run around saying
these these awful things about went to the first break.
After I started talking about Romo said, so we getting
a reverse mortgage sponsor. No, we're not getting a reverse
mortgage sponsor. I just I know that. My immediate reaction
(31:15):
was I called him Ramon Ramone, you don't want to
do reverse mortgage.
Speaker 1 (31:19):
That's terrible, horrible.
Speaker 2 (31:20):
Why.
Speaker 1 (31:21):
I don't know.
Speaker 2 (31:21):
I'm just repeating what I thought. I don't know why
I thought that. I started digging in his particular case
is unique case. I think it's a good deal for him.
It's that time time, time, time, luck and load. So
Michael Varry Show is on the air. Good mornings are
(00:29):
I heard you talking about Robert Frost earlier I got
on my cowboy boots.
Speaker 2 (00:35):
I don't know if you're aware of this or not,
but one of the most profound and eloquent American poets
of all time was born on this day in nineteen
forty six in Soper, Oklahoma, wishing a big old screw you.
We're from Texas. Happy birthday to Ray Wiley Hubbard.
Speaker 3 (00:50):
Medle Fan that's soldern Riot.
Speaker 1 (00:54):
Sometimes we're sloppy.
Speaker 3 (00:56):
We're always loud and night Woods and Stamer and locked
the Pucketts. To screw you woo from Texas. Screwed word
from Texas. Screw you go from Texas with from Texas. Baker.
Speaker 1 (01:13):
It's a screw now.
Speaker 3 (01:29):
I love the USA and the other sticks.
Speaker 1 (01:33):
They're okay. Texas is the police. I won't have been.
I don't care if I ever go to tell her anyway,
because we've got stood up, some Green Hall and Antone,
some Jaunty's Country Store.
Speaker 3 (01:49):
I've got Willie and Jack and Jack, Robert Earl, Pat Cory,
Charlie Man, so many more. Let's to screw you we
from Texas, screw WO from Texas, scrillio wor from Texas
from Texas, screw you say it with me, screw you
(02:12):
worth from Texas, screw you work in Texas.
Speaker 1 (02:17):
The screw WO from Texas, woof from Texas.
Speaker 3 (02:23):
Three.
Speaker 2 (02:49):
So now Texas is gonna I think my frustration over
how people react to issues like that. It's probably quite
similar to how people react to politics, which also found frustrating,
and that is they don't want to actually invest any
(03:10):
time into the subtle nuances of issues. Well, how come
we can't just vote for John corn and Michael he's
a Republican. Why are we fighting amongst ourselves? Let's fight
the Democrats? Michael, Why do we want to fight a Republican?
We already got him. Let's go somewhere where they got
(03:32):
a Democrat and fight the Democrat. And the understanding of
the proper answer to that question is the understanding of
how you fix the problems in this country. But they
are not simple, They are not easy.
Speaker 1 (03:50):
It's just that simple. My urologists no with Kira.
Speaker 2 (03:56):
Will steadfastly maintain that increasing the hormone testosterone does not
necessarily increase the rate or risk of prostate cancer that
comes from one study some number of years ago that
has been basically repudiated, but it's become offhand. People here
(04:21):
get testosterone, get prostate cancer. Well, what is it that
the odds are. My uncle, who was a prostate cancer doctor,
my wife's uncle, told me, if you live to be seventy,
this is offhand, simple math. If you live to be seven,
you've got a seventy percent chance of getting prostate cancer,
and at a percent for every year thereafter, eventually almost
(04:43):
every man would get prostate cancer.
Speaker 1 (04:45):
It's a flaw in the system. It's just there. We
weren't meant to live this long and now here we are.
Speaker 2 (04:52):
So if a man starts taking testosterone and five years
later they get prostate cancer, the immediate rec action is,
well the testosterone did it okay? Well what if that
same man didn't take testosterone and got prostate cancer. Nobody
stops to think, oh, well, maybe you can get prostate
(05:14):
cancer without it. Maybe long before we were doing hormone
replacement treatment, we were getting prostate cancer. And the tie
is not necessarily direct, and we've learned that. But once
that was learned, a number of primary physicians will simply
(05:35):
say that. I've had people email me, Hey, I heard
you talking about testosterone and how much has helped you
and all these other people, and.
Speaker 1 (05:43):
You think it's great, but my doctor says, not to
do it. I'll get prostate cancer. All right?
Speaker 2 (05:48):
You mean you're seventy year old doctor that has not
stayed up with any trend since graduating from medical school,
who walks in every day and says, hey, how you doing, Bob,
good to see you.
Speaker 1 (05:58):
What can I write your script for? Gone in forty
five seconds?
Speaker 2 (06:01):
Oh, that genius told you that you're that impressed that
he went to medical school forty five years ago.
Speaker 1 (06:08):
Good for you. I wish you the absolute best.
Speaker 2 (06:11):
You should also ask him about the effects of carbohydrates,
what amount of water you should be drinking, and see
what other of doctors Bock's list of top ten things.
Speaker 1 (06:21):
To do from nineteen sixty seven.
Speaker 2 (06:22):
He quotes you because that guy hasn't had an independent
thought since Kennedy was president, and that is true of
a number of doctors. There are doctors who have not
learned anything new in forty years. They're just going through
the motion. They're walking in and writing you. Oh, somebody
in your family's got the flu. Here's tama flu. Oh,
(06:45):
here's a Z pack. Okay, But what I'm trying to
tell you is I have horrible hemorrhoids and my chest
is pounding out of my heart is pounding out of
my chest, and I have a ringing headache.
Speaker 1 (06:59):
Yeah, let's go on to do a Z pack. Okay, Doc,
I just got shot in the hip.
Speaker 2 (07:04):
I'm bleeding out. I'm not sure what I should do.
I'll write you a Z pack. Well, that's not practicing medicine.
I didn't intend to go off on this from mom.
Speaker 1 (07:14):
Who are you to question buck? Or you didn't go
to medical school.
Speaker 2 (07:19):
I have had conversations about the law on the deepest,
most profound level my life, more often than not with
non lawyers. And if you think having gone to law
school and having two law degrees means I know anything
more than somebody who's been practicing for twenty years, who
actually does it going to school for something, I could
(07:44):
question you about something you learned in junior year Civics
that you don't remember. That doesn't make you an expert
on it, all right? So reverse mortgage, credit card, payday loan, pawnshop,
fifty year mortgage.
Speaker 1 (08:01):
That's just five things I came up with that people.
Speaker 2 (08:04):
Offhandedly are opposed to that in some rare circumstances are
not of necessary, they're the right thing for that person.
So I have been exploring options from my friend who
is mid to late sixties. I guess you have to
be sixty two to qualify for reverse mortgage. I've never
really dug into reverse mortgage. I just always kind of
(08:25):
heard they were terrible. So I started digging into it
and he sent me the actual documents. You have disclosure
requirements now, just like you when you have a settlement statement.
It's not a ten ninety eight, what's the twelve ninety
there's a number for it. I used to know these
things when you when you close on a real estate transaction,
(08:46):
there is a what's is shorthand referred to as the hood,
but it's the standardized form where you see the expenses
that title companies taking out and the appraisal, who's paying
for what, what the final settlement numbers are. And then
in your loan documents there are truth in lending disclosures.
(09:09):
And I suspect I don't know this, but I suspect
most people don't bother to read those and the truth
in lending disclosures will reveal to you that you think
you got a six point five percent interest rate on
the money they lend you, But when you build in
all the fees that they add to that, it is
(09:29):
as if you paid I don't know seven point two
or I don't know some higher number, because all of
those are the costs associated with borrowing the money. So
people get hung up on what the percentage rate is.
But in many cases you have to buy down that
percentage rate, so you've actually paid them for a lower
(09:50):
percentage rate, which is the equivalent of paying a higher
percentage rate. Otherwise you could have kept the cash and
put it somewhere else. And if you look at those numbers,
you get a better sense of what that money costs
you to borrow. Well, credit cards, I don't know what
I used to know. They used to a credit card
couldn't charge you more than I think twenty nine percent,
(10:12):
And so people get very angry about credit cards. And
the reason people get angry about credit cards is the
reason we have many other problems in this country, and
that's a lack of accountability.
Speaker 1 (10:26):
If you borrow the money you owe the money. Yeah,
but then I lost my.
Speaker 2 (10:32):
Job and then I okay, but that's part of the
calculation before you borrow money. People who find themselves constantly
being screwed by high interest rates and all these terrible
things for things that were clearly disclosed, that's an important
part of the story, are not really victims.
Speaker 1 (10:53):
They're idiots.
Speaker 2 (10:56):
And if they're honest with themselves, they made a mistake,
a mistake that you're going to have to pay for.
It is as simple as that. And because we have
told people there are no consequences for bad actions, that's
what abortion is. That's what the abortion advocates want. They
want in consequential sex. They don't want there to be
(11:19):
a baby if they do everything necessary to make a baby,
because they weren't in the baby making mode, they were
in the humping mode, and a baby just appears. Well,
that's a consequence of that action. Many people never learn,
and this is a lack of good parenting, that there
(11:41):
are consequences for actions.
Speaker 1 (11:43):
It is as simple as that.
Speaker 2 (11:46):
And the inability to accept those consequences, the desire to deflect,
to blame, to be a victim, to seek to go
fundme to whatever else.
Speaker 1 (11:59):
The credit card business.
Speaker 2 (12:01):
If people operated on the premise, then if you have
to put it on your credit card, you can't afford it.
Speaker 1 (12:08):
We lived in privation as a child. I didn't suffer.
I learned.
Speaker 2 (12:13):
I'm grateful for it. My dad didn't buy things. He
just didn't buy things until he could afford to buy it.
He finally got a Discover card, and I kid him
about that. I handle everything for him now, but I
kid him about that. There's no monthly subscriptions on the
Discover card. There's no hey, how did this get on here?
Speaker 1 (12:35):
There's no PlayStation games. Do do do? The Discover card
was used.
Speaker 2 (12:42):
If he went into town and had to get milk
and bread and didn't have cash on him, and then
he'd drive home and he'd probably write.
Speaker 1 (12:49):
A check that day to Discover.
Speaker 2 (12:51):
Oh he's a great Discover card because they get their
fees on his transactions and they never ever have a
problem the payday loan. Everyone hay to pay day loan
because the rates are too high. Okay, tell you what
if you don't like the payday loan rates and they're
so evil because they're so high, how about this, how
(13:13):
about you give the loans they're getting rich off of them. Right,
If it's such, if it's such a usorious thing and
it's so insanely profitable, then why doesn't everybody do it?
Because you don't want to have to deal with the
people who take payday loans. You ever seen one of
(13:33):
those things. It looks like an Asian owned liquor store
in the hood. They've got a lot of times they
have an officer on duty, or they have a car
parked out front to make people think there's an officer
on duty that's not working. They've got a cage inside there.
Because you're dealing with people who are desperate, and this
is what we don't discuss. So what are we to
(13:55):
do when people are desperate? Are we to say, when
you're desperate, there will be no way for you to
get money, none, none that are legal. We refuse to
make them legal. There will be no way for you
to access cash when you are desperate. What do you
think people are going to do if they're so desperate
(14:18):
as to enter into a really, really bad transaction.
Speaker 1 (14:23):
They're pretty desperate. What do you think is going to
be the alternative? In the marketplace?
Speaker 2 (14:30):
You create products for different people at different points in
their lives, and if we prohibit the making of products
for people who are in a really bad way, are
we doing them a favor? First of all, we're not
respecting that they can make a decision as to what's
in their best interest at this time. Haven't you ever
(14:53):
in your life said, you know what, I'll suck it
up and accept this terrible deal right now because I
need this right now, and I'll never let myself get
in this situation again. What if you need cash to
get out of trouble? What if you need cash? I
don't know what people use cash for. Maybe you need
cash for something, Well, it's some drugs. Michael, Okay, well
(15:15):
drugs are illegal.
Speaker 1 (15:17):
But you don't know that.
Speaker 2 (15:19):
This all goes back to the core, the core idea
that it is not our responsibility nor our privilege to
get to control the lives of other people. Simple you
don't get to make decisions as to what they eat,
when they sleep, what time they go to bed, and
what terms they borrow money under.
Speaker 1 (15:41):
Lift laugh learning doing it big on the Michael Berry Show.
Let's take some calls on the is shoe.
Speaker 2 (15:50):
So we seven one three nine nine one thousand, seven
three nine nine nine one.
Speaker 1 (15:54):
Thousand, I saw. I saw.
Speaker 2 (16:02):
The meme about Dave Ramsey and it said Dave Ramsey's
in critical condition after learning of a fifty year mortgage.
Speaker 1 (16:09):
Of course it was a joke. It was Babylon b.
Speaker 2 (16:12):
And it was the idea that it flies in the
face of all the fundamentals that Dave preaches. And I
think that what Dave preaches is wonderful.
Speaker 1 (16:20):
I really do.
Speaker 2 (16:21):
And I think it's a good thing that someone has
built a national audience and has given people an opportunity
to learn about the fundamentals. It's basically the fundamentals of thrift.
It's learning that you have wants and needs. It's learning
that just because you can pay for something doesn't mean
(16:42):
you can afford it. It doesn't mean it's always in
your best interest. Now that being said, not everyone wants
to pay off every debt. Not everyone wants to live
in thrift, in penury, to be the millionaire next door.
I've read The Millionaire next Door, and I will tell
(17:04):
you I don't want to live that life. If you
read the Millionaire next Door, it's about the guy that
you don't realize how much he has in savings because
he drove a buick skylark or something forever, and he
lived in tiny little home, and he never took vacation,
and he never did anything to enjoy himself. I think
(17:27):
a lot of people make a calculated decision, a calculated
decision that they are going to live beyond their means,
and who are we to tell them they can't. I
think most Americans live beyond their means. So it drives
my dad crazy because he never took that. He had
to borrow a little money. He built our house, but
(17:49):
he had borrow a little money, and I think thirteen percent.
Dan PASTORNI told me he financed a house at seventeen percent.
Oh wow, have we reached a point in twenty twenty five?
That dam Pastrine doesn't get a dig I never thought
I'd see that that happen.
Speaker 1 (18:04):
Wow. He was love you blue.
Speaker 2 (18:07):
He was the quarterback for the Houston Oilers, and then
he was a drag racer and a boat racer and
an actor. Huh what friend of mine? Yeah, friend of mine? Yeah,
thank you. Anyway, So my dad paid that mortgage off
(18:27):
as fast as he could worked overtime. I remember he
was working overtime constantly to try to pay that darn house.
Speaker 1 (18:33):
Off because he was just eating at him.
Speaker 2 (18:36):
However, if people choose to live and have the things
they want and they pay those bills, it's the thing
about it is, as long as things are disclosed. In
my opinion, restaurants ought to be able to allow smoking.
The only thing I say is you should have to
(18:58):
have a sign on the front door that says smoking
aloud inside clear for everybody to see, because I don't
think it's fair as a cigar smoker for somebody to
walk into a restaurant, order their food, start eating, and
all of a sudden I fire up at the next table.
That's not fair to them. They didn't know that was
going to happen, and they didn't want to be exposed
to that. Okay, But if they come in eyes wide open,
(19:22):
fully aware, then why not let the restaurant do what
they want to do.
Speaker 1 (19:27):
It's the dumbest thing of our heart.
Speaker 2 (19:29):
I was on city council when we put in places
the cigarette band, and the funniest thing is the restaurants
were for the band on the bars because a band
on the bars would mean that you'd go to the
restaurant to drink, and then once they got looped into it,
all of a sudden they changed their mind.
Speaker 1 (19:47):
Oh no, no, we're against the band. We too late now.
Speaker 2 (19:52):
And so what it meant was restaurants just outside the
city limits boomed. You had these little mom and pop
cafes that were just outside the city limits where they
allowed people to smoke because they had forever, and people
started going there. I think we could all do well
to stop and think about what we actually think about things,
(20:13):
rather than hopping around over here. Well, I'm for spending
an unlimited amount of governmental money on dementia because my
mom has dementia. Okay, what about spending an unlimited amount
of money.
Speaker 1 (20:28):
On breast cancer?
Speaker 2 (20:29):
No, why are we going to give the government a
blank check? That's a terrible idea. I mean, I'm against
breast cancer and all, but why give Okay, but you
see that you're being inconsistent based purely on whether you
have a connection to it. That's how government works. They
go find pockets of people. They do this to blacks
and gays, and trends and immigrants and women. This is
how they get all the money from everybody to use
(20:53):
as they see fit and get rich off of because
they super serve these groups over here and give them
something that should have been opposed to. And that's how
it works. There's your problem, writ large boom, that's it.
But a fifty year mortgage. Let's let's talk about this.
A fifty year mortgage. I should have calculated the numbers.
It's not hard to do. Let's say you take a
(21:15):
three hundred thousand dollar house, more than most people are
going to spend on their homes. But let's just so
that we see the numbers. The higher the cost of
the house, the more this is going to be, the
more dramatic this is going to be. And I don't
know on a fifty year mortgage. So people are going
to say, and Dave Ramsey's gonna say this, and he'd
be right. He's going to say, for that I can
hear his voice, right, for that three hundred thousand dollars house,
(21:37):
you're gonna pay a million dollars. I don't know what
the number is, or fifty years probably would biggest. It's
going to depend on the interest rate. So let's say
especially you know, one of the reasons occasioning all of
this is interest rates right now, and interest rates are
not historically high. This is what people don't understand interest
rates are not higher than they've been historically.
Speaker 1 (21:59):
They're just higher than they were. For ten years.
Speaker 2 (22:02):
We got addicted to cheap money. Our economy was flowing
on cheap money. I used to say this during Trump's
first term, at the very beginning, that interest rates are
too low, and people would say, you're crazy, why do
you want to punish people? And my argument was, it
(22:23):
defies the laws of economics. To make money this cheap
for this long. It defies every law of economics. You
are going to have a long term inflationary effect. And
what's going to happen is at some point you have
to turn that spigot off. You cannot print free money forever.
You can't.
Speaker 1 (22:43):
It's unsustainable.
Speaker 2 (22:45):
You know. This is the old stories of you know
in Bolivia, where they're carrying their money in a wheelbarrow
to the restaurant to eat, and you have to hurry
because by the time you get there, the inflation has
gone even higher. The more money you pump into the economy,
which is what cheap money does. People take lots of debt.
When debt is when the cost of borrowing is cheap.
(23:06):
When you do that for that long, then you drive
down the value of cash reserves. You make it so
that no one wants to save anything anyway because your
money won't be worth anything tomorrow. And that's what we
did for a very long time. So then when those
interest rates went up to what I would consider to
be reasonable rates, people think they're very high. And everybody's
waiting on the sidelines right now for interest rates to
go down. That's why Trump's having to be push power
(23:28):
to lower.
Speaker 1 (23:28):
The interest rates.
Speaker 2 (23:33):
The only reason someone would finance something if they could
afford to pay cash for it is because they want
to hold onto their cash and use it for something else,
and they expect a steady revenue of cash coming in
over a period of time. I'm using cash as money,
(23:54):
not necessarily dollar bills, but for someone to say, rather
than pay one hundred thousand dollars for this home today,
I'd rather pay that out over X number of years.
Almost nobody has the money to pay cash for a home.
(24:15):
So when people tell you how horrible debt is, and look,
I get it, the whole screaming I'm out of debt
on Dave Ramsey Show, I think that's buying large a
good thing, because I'm not against people making having the
ability to make bad decisions for themselves. I believe this
is the libertarian in me. I believe in the sense
(24:35):
of freedom, the freedom to make bad decisions. You shouldn't
get married before you can support yourself. You shouldn't bring
a baby into the world before you can support it.
You shouldn't eat five thousand calories a day. All of
these things are ill advised, But I don't believe that
(24:57):
anyone else should be in the position of preventing you
from doing that.
Speaker 1 (25:01):
That's what freedom looks like. Freedom to choose the Milton
Friedman series.
Speaker 2 (25:08):
So we finance things so that we can have it
now and pay for it later, even if we have
to pay more for it later. If you look at
the standard of living in America, the number of things
people can buy and do, and that means not only
(25:29):
a house, about two or three vehicles per per family,
a second home, a place that Talita ben or round
Top or Belleville or wherever else New Ullum. You look
at the number of things that people have today versus
what they had in the seventies. People will tell you,
(25:51):
you know, my parents, I mean we don't have anything
like that. I mean, we're really struggling we don't have.
Speaker 1 (25:58):
Yeah, but.
Speaker 2 (26:01):
Think about how people live back then. First of all,
they never eat out. We don't eat out because we
have to. Nobody's forcing us to. It's an enjoyable thing.
Someone else cooks for you. Mama loves that she doesn't
have to do the dishes. You get to be in
a different place. You get to eat some things that
you don't even know how to make. In many cases,
(26:22):
you're eating food that's outside of your family's cultural cuisine.
Speaker 1 (26:28):
It's enjoyable to eat out. It's fun.
Speaker 2 (26:30):
You look forward to it. We arrange our time around food.
Many people eat out and eat out often. That costs
a lot of money. A new car or truck. That's
a treat.
Speaker 1 (26:42):
It's fun, it's nice. People like it.
Speaker 2 (26:44):
Nobody's making you do it. The fact that you can
finance it means that you get it now. See that's
the thing people don't pay attention to. The People who
want to tell you how horrible it is to have
debt have a different set of value than the people
who take debt. The person who's taking debt says, I
(27:06):
want to have nice things now, and I will pay
for them, and yes, I will pay too much for them.
Down the road, but I want to have them now.
Some people struggle with the idea that we're not all
the same person. We have different values. Some people don't
(27:27):
ever want to be married. They want to play the field.
Some people don't ever want to have children, and that's okay.
Some people don't want to work in an office. They
want to be as far from society as they can,
so they find a way to farm or do something
out in the country, and that might be different than
other people.
Speaker 1 (27:46):
Some people don't want to have.
Speaker 2 (27:47):
A television or a cell phone, or have their cell
phone on all the time and be reached like everybody else,
so they can always be at someone else's back and call.
Speaker 1 (27:57):
A lot of people struggle with the control of other people.
People to have to live exactly the way I do.
Speaker 2 (28:03):
Nobody is confused or doubting that a fifty year mortgage
means that you're going to pay more for that home
over the long term, even time adjusted, than you would
if you paid cash. There are costs associated with borrowing.
It's a financial instrument, period, end of story.
Speaker 1 (28:26):
That's all it is. It's a financial instrument.
Speaker 2 (28:29):
We have financial instruments for most every aspect of American life,
and when you throw in prop bets, there's a financial
instrument for almost everything. I remember years ago, must have
been about the late nineties. I had a neighbor who
got in. He was just an investor, and he got
into biatical contracts, and that's when people were dying of AIDS,
(28:51):
almost exclusively men. But men were dying of AIDS because
they had not created the cocktail that saves their lives.
You don't ever hear of anybody of AIDS anymore, but
it was a big deal back then, and so they
came out with again the financial instruments. It's very similar
to a reverse mortgage. It's just on your life instead
of your house. And as I understand it, the way
(29:11):
the biatical contract mean biatical meaning life. The way the
viatical contract worked was you would get this amount of
you'd have to have a life insurance policy, but you
would get your cash now. And the owner of the
viatical insurance policy, the policy is sure would get that.
(29:31):
You would get the life insurance when you died. And
I remember at the time there were horrible things being written. Oh,
these people are terrible. They're betting on someone's death, all right, well,
let's go ask John, who's eat up with AIDS, who's
got a few months left, who can't pay for his house,
(29:52):
He can't pay for anything. He has no cash and
no ability to work, and here is some one offering
him money in exchange for money. He's gonna get down the.
Speaker 1 (30:04):
Road but can't get Now you know who's betting on
his death?
Speaker 2 (30:09):
The life insurance policy. John's betting on his life insurance policy.
He wants the money that's gonna be paid when he
dies while he's alive. Are you telling me it's more
humane to let him die broke, miserable? Would we know
(30:30):
the day after he dies some cash is going to
flow in. Why not give him access to that cash
he paid for the policy? Oh well, it's just horrible.
It's terrible. Okay, some things in life are horrible and terrible.
Childbirth ain't pretty, parenting's pretty darn tough. The military goes
(30:52):
to hell to get ready for war. Just because things
are unpleasant to your immediate eye does not make them
horrible and terrible. And that we should run around saying
these these awful things about went to the first break.
After I started talking about Romo said, so we getting
a reverse mortgage sponsor. No, we're not getting a reverse
mortgage sponsor. I just I know that. My immediate reaction
(31:15):
was I called him Ramon Ramone, you don't want to
do reverse mortgage.
Speaker 1 (31:19):
That's terrible, horrible.
Speaker 2 (31:20):
Why.
Speaker 1 (31:21):
I don't know.
Speaker 2 (31:21):
I'm just repeating what I thought. I don't know why
I thought that. I started digging in his particular case
is unique case. I think it's a good deal for him.
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