December 7, 2025 • 36 mins
Someone is predicting the housing market may crash in the near future, where are you buying your dream home? PLUS Gen Z is renting everything including clothes and dishes and it's saving them money. AND we're getting political covering no tax on tip. Just the tip...It's all on KFIAM-640!
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Episode Transcript
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Speaker 1 (00:00):
You're listening to KFI AM sixty on demand.
Speaker 2 (00:09):
We asked the question, if the housing market crashes, where
are you buying your dream home?
Speaker 3 (00:13):
If the housing market crashes, I'm gonna buy Dean Sharp's house.
Obviously it's a killer deal. He is awesome. He knows
how to fix houses. Yeah, build houses and make them sweet.
So goodbye, Dean.
Speaker 4 (00:29):
I'm moving in there. You go.
Speaker 2 (00:31):
Take that, Dean Sharp. You're out of here. Pal, you
just got evicted your toasties?
Speaker 4 (00:38):
Hey?
Speaker 5 (00:38):
What that's out of this Chris Merrill?
Speaker 4 (00:40):
It's nice doing well? Okay?
Speaker 5 (00:43):
How come nobody ever talks on what's so obvious about
how property has been just appreciating like crazy here in
southern California no matter where you go, from East La.
All the wood of Marina Valley or anywhere you go,
thirty six of proper last year was bought by Chinese foreigners.
Why are we allowing foreigners to buy property?
Speaker 6 (01:07):
What?
Speaker 2 (01:07):
You don't believe a free market? What? Wait a minute,
what do you you? Anti business?
Speaker 7 (01:14):
That's a good turney.
Speaker 2 (01:15):
What's the matter with you? How dare you an anti business?
Anti capitalist? Probably a communist? How dare you? I don't know,
that's a legit question. I got no answer for you.
That policy allows capitalism. First, I guess yeah, that's the uh,
that's the answer. Not a bad observation. Fox Newis was
(01:36):
talking about this economist that says, look out, the housing
market is going to be so so bad it is it?
Speaker 8 (01:43):
Obviously it would be a big deal. As the housing
analyst in this article Melody Right, claimed that home prices
could drop by fifty percent, but few experts of.
Speaker 4 (01:55):
Fifty Oh baby, I'm gonna own ah, I'm gonna own ha.
Speaker 8 (02:04):
Agree with this tape. Let's be joined right now for
more understanding. Dave Meyer, head of investing at Bigger Pockets,
given us.
Speaker 4 (02:12):
Oh good, we went straight to the top.
Speaker 2 (02:14):
We got the head of investing at Bigger Pockets, so
obviously one of the great invest bank.
Speaker 4 (02:24):
Blogs.
Speaker 8 (02:26):
Some answers on this. That was quite the take, obviously
to say that it would drop by fifty percent, which
would far surpass what happened in two thousand and eight.
Where do you stand on this and can you state
the facts?
Speaker 4 (02:39):
State the facts?
Speaker 2 (02:40):
Just fact Joe Friday, Wait a minute, if the housing
market dropped by fifty percent, that wouldn't have not surpassed
two thousand and eight.
Speaker 4 (02:47):
That's what we all saw.
Speaker 2 (02:49):
I had a friend, by the way that bought a
condo in downtown San Diego for something like one hundred
and twenty thousand dollars. Oh god, it was a good
time to have money. The kind of now is worth like,
you know, nine hundred thousand. They bought it for like
one twenty five. It's crazy.
Speaker 6 (03:08):
Thanks for having me, Andy, Yeah. I think for the
housing market, the much more likely path is a slow
and steady return to affordability. I think that's the best
thing that could happen for the housing market. And although
it can make a very clickable headline to call for
these dramatic crashes in the housing market.
Speaker 2 (03:27):
Are you what someone would have a hot take just
for clicks. Not in today's internet driven society, sir, they
are very unusual.
Speaker 6 (03:36):
There has only been one since the Great Depression that
happened in two thousand and eight. So if of course,
it's on a lot of people's minds, but that does
not mean that it's a normal thing that happens in
the housing market. And right now there's just no evidence
that we are heading towards a crash.
Speaker 8 (03:52):
Yeah, and obviously, just saying that it obviously brings chills
to some people to think about what happened in two
thousand and eight. I do want to put up this
of what she said in this article courtesy of Newsweeks.
She says, quote, I think we're going to correct all
the way to a point where household median income, that is,
the home price, the median home price, and so that
(04:12):
is going to be worse than two thousand and eight.
That could evolve a lot.
Speaker 4 (04:16):
How is that worse? That sounds great?
Speaker 2 (04:18):
Oh, the median home price will devolve to a point
where you could afford it on a normal income.
Speaker 4 (04:24):
Oh, terrifying news. Faster than last time.
Speaker 8 (04:28):
When you're talking about median home price in terms of
median income as well, that is quite the discrepancy.
Speaker 4 (04:35):
But could we get closer to that?
Speaker 6 (04:38):
I think it's possible that we get closer, but it
will be very modest. If you actually think about this,
The median household income in the United States right now
is eighty three thousand dollars.
Speaker 4 (04:47):
Okay.
Speaker 6 (04:47):
The median price of a home is about four hundred
and thirty thousand dollars. Yeah, So what this is saying
that the price of homes could drop more than eighty
percent in one event.
Speaker 9 (04:58):
Nothing like that.
Speaker 7 (04:58):
Has ever happened.
Speaker 6 (05:00):
Just for context, in two thousand and eight, the worst
housing crash that we've seen in more than one hundred years. Yeah,
the home price has dropped nationally, peaked to troth twenty percent.
Speaker 4 (05:12):
Obviously here it was more.
Speaker 2 (05:14):
Uh okay, So even if home prices drop by twenty percent,
that still means that the median home price in southern
California is not attainable to the person making the median
income household income. Even if we have a massive crash,
(05:39):
we still can't afford a house.
Speaker 4 (05:42):
Huh.
Speaker 2 (05:43):
So weird that socialists are starting to get elected around
the country, isn't it. It's so bizarre that people are saying, Wow,
it's gotten to the point where I can't afford to
do the basic things. It's so strange that people are
questioning the viability of the American dream.
Speaker 4 (06:01):
Definitely in a place like this.
Speaker 2 (06:04):
Where your median home value is nine hundred thousand dollars,
that's median. That's not a three to two with a
white picket fence and a dog in the front yard
where you can raise your two point three kids. We've
gotten to the point where people are having fewer children
because they can't afford them. They are living in stacked housing, condos, apartments, townhouses,
(06:30):
multi family living because the idea of a single family
home seems like it's only available to the rich and famous,
and that used to be the American dream.
Speaker 4 (06:38):
Now I understand we also have a space issue.
Speaker 2 (06:40):
And I also understand because I look in fairness, I
live in multi family housing and there is certain convenience
to it. I can take off, I don't have to
worry about somebody mowing my lawn. Right, I get it,
there's good reason for it. The idea is that I
live in multi family housing because I want to, not
because it's the only thing I can afford. And then
(07:02):
we're surprised when we see politicians come by and say
the rent is too damn high and we ought to
do something about it.
Speaker 4 (07:09):
Instead of saying to.
Speaker 2 (07:11):
Our person with the talkback, we need to try to
sell to the Chinese investors for as much as we
possibly can.
Speaker 4 (07:19):
How is that beneficial?
Speaker 2 (07:21):
So this is one of those situations where what might
be good for one person is not necessarily good for everyone.
Speaker 4 (07:28):
And unless we take a long term view, we're.
Speaker 2 (07:33):
Gonna continue to be stuck in this position, and then
you're gonna have more and more politicians that come out
and say it's too damn and then those politicians get elected,
and then you see basically a coup. That's when you
see people that say, we have to turn to a
more communist viewpoint or a more socialist viewpoint, and we'll
(07:56):
have no one to blame about ourselves. That's the truth. Well,
have no one to blame about ourselves. And we've seen
this play out in history before. Revolutions come because of
affordability issues, and as long as we continue to have
affordability issues, we're going to have more and more people
stepping up and saying I can't keep voting for the
people that keep me poor. And at some point we're
(08:19):
gonna stop. This is not a left right thing, because
the politicians on both sides are doing this, the Shenanigans. Okay,
so don't think that I'm out here screaming about one
side or the other. But at some point there's gonna
be a revolution unless we get these sorts of things
under control. Now, you'd be forgiven for thinking that gen
Z is broke because they're always whined about it. They rant,
(08:40):
they wait, but maybe, just maybe gen Z has figured
out way sooner than the rest of us ever did
the best way to go about using their money find
out what the Zoomers might be onto it's next time,
Chris Meryl.
Speaker 1 (08:57):
You're listening to KFI AM six forty on demand.
Speaker 2 (09:03):
I just love when you guys give us talkbacks too,
because you always say things on the talkbacks.
Speaker 4 (09:07):
It made me think.
Speaker 2 (09:08):
You say things that give us pause, you say things
that spark a new conversation. You always add to the program.
Whenever you pull up the app and you hit that
talkback button and you send us a message, you always
say something that I I don't think.
Speaker 4 (09:21):
I don't think the show would be what it is
without that. Mister Merrow, it's so good to hear your
voice on Sunday. You're kind of like church man. I'm
gonna smoke a nice little spliff chill and you always
relax me. Thank you. You make a for a better
less trending this week.
Speaker 2 (09:41):
Yeah, like I said, yeah, basically basically always adding. We
asked the question about the housing market. If the housing
market crashes, where would you buy.
Speaker 4 (09:53):
Your dream home?
Speaker 2 (09:54):
But then we talked about how one economist says, oh,
look out the housing market. We're gonna have a price correction.
It's gonna be one worse than two thousand and eight.
Prices are going to drop by half in just months.
It's going to be pandemonium, cats and dogs lying together.
Speaker 4 (10:07):
It's going to be absolute disaster. A few of you
at thoughts, Chris. This is Dan. Hey, Dan.
Speaker 10 (10:17):
I'll tell you what I did. In two thousand and two.
I sold my house. I sat in an apartment after
that and watched it go up by two hundred and
then two thousand and six the market crashed. Yeah, and
so I bought that house back again. Oh with the
money that I saved living in an apartment. Well, it's
(10:39):
called shorting the housing market.
Speaker 4 (10:42):
Yeah, man, I hear you, I hear you. I did
it wrong. I sold a house.
Speaker 2 (10:50):
My wife and I were, we left Phoenix, we were
living in Phoenix, and then, you know, I say this.
I've said this before. I've been fired from some of
the greatest radio stations in America, and because I'm a
middle aged white guy, I keep falling up. So here
i am market number two, biggest talk radio station in
the country.
Speaker 4 (11:11):
Yeah, it's amazing how that works. Kellie.
Speaker 2 (11:14):
You should try being a middle aged white guy. It
really has some benefits.
Speaker 4 (11:17):
Have you thought about that?
Speaker 11 (11:19):
You know, No, it's not really anything that I aspire
to be met out. I'm dating one, so I think
I get the benefits with somebody else without having to
actually be that, because that's all I get.
Speaker 4 (11:28):
That I am. Okay, So you don't have bowlding or
a rectile dysfunction, good for you.
Speaker 7 (11:32):
I have rhythm and yeah, yeah, things like that.
Speaker 4 (11:34):
Okay, so you basically figured it out.
Speaker 7 (11:37):
I think.
Speaker 4 (11:38):
So that's good. That's smart.
Speaker 2 (11:41):
Got my wife and I sold the house for about
it for three hundred thousand. We were in we were
in Phoenix. I bought it for three hundred thousand in
UH twenty fifteen, did some improvements. I had to fix
the foundation. That was a twenty five thousand dollars bill,
and then we sold it in twenty twenty. J Ruary
twenty twenty, we sold it for three eighty five and
(12:03):
we didn't after I put it a new air conditioner,
water heater, after you paid the realtor fees and all
that other stuff, we really didn't make any money on it.
I mean, we paid it off, but I think we
cleared something like fifteen grand or something.
Speaker 4 (12:14):
It wasn't that much, okay, but.
Speaker 2 (12:15):
We were like, all right, you know we made it
went up eighty five thousand dollars in five years.
Speaker 4 (12:20):
It's not bad.
Speaker 2 (12:21):
That house just sold last year for seven hundred and
twenty seven thousand dollars. Five more years, it would have
doubled in price. No, did I short the housing market. No,
I'm like the guy that bought this fella's apartment in
two thousand and two and then had to sell it
back to him in two thousand and six for less
than I paid.
Speaker 4 (12:38):
But that's me. I'm the goober. It's me.
Speaker 12 (12:43):
The American dream will always be alive. And well, you
just marry it. Oh, if you marry it, then you
have to pay for house, the cars, the furniture. You
don't have to work. You go out and marry it.
And there are still opportunities to go out for a
woman and married that American dream.
Speaker 4 (13:04):
Cayla, she sounds like she sounds like she's got like
you're planning going on there.
Speaker 7 (13:08):
You know I wasn't. I kind of like her.
Speaker 11 (13:10):
I think she makes a lot of sense, and I
thought we would be friends in the real World's.
Speaker 4 (13:13):
Great, right, Yeah, that's pretty smart. Yeah, that's the way
to go.
Speaker 2 (13:19):
Wow, that's another one. I goofed up married a divorced
woman with three kids.
Speaker 7 (13:25):
Doesn't she make a lot of money?
Speaker 4 (13:27):
Yeah?
Speaker 7 (13:28):
Doesn't. Isn't she like the bride winner because you work
in radio?
Speaker 4 (13:31):
Yeah?
Speaker 7 (13:32):
Okay, so you're right.
Speaker 2 (13:34):
I mean, imagine where she would be if she didn't
have a divorce, three kids and me to drag her down.
Speaker 7 (13:39):
Oh man, she would be queen of the world.
Speaker 2 (13:41):
People would be like, are you a middle aged white
guy really doing something great?
Speaker 4 (13:50):
Man? Did I luck out? Man? Did I look out? Meanwhile?
Speaker 2 (13:55):
Gen Z may have figured this out way ahead of us.
Fox Business was talking about their obsession with renting everything.
Speaker 13 (14:02):
A generational shift is underway, and it's moving away from ownership.
Gen Z is now renting just about everything, clothes, strollers,
even glassware.
Speaker 2 (14:15):
I understand renting strollers. That makes sense to me, kind
of like renting a wedding dress. Never understood why women
bought wedding dresses. Oh it's my wedding dress, so beautiful.
I'm gonna wear it once, put it in a box.
Then in thirty years I'm gonna take it into it.
My sister's closet and try to get thirty bucks for it.
Speaker 4 (14:31):
They won't give it to you because it's an old style.
This is true. I had an old wedding dress. I
had to take it was my ant old wedding dress.
Speaker 2 (14:40):
She's like, oh, see if you can take it down
to my sister's closet and get something for it. And
they did, and they were like, no, that's an old style.
Nobody wants that crap. We wouldn't give us anything for it.
Like this is a five thousand dollars.
Speaker 7 (14:48):
Dressing to get a timeless one?
Speaker 4 (14:51):
Oh is that a thing? Yeah?
Speaker 13 (14:53):
Okay, and it could end up reshaping the American economy.
What used to be considered a fine anchel red flag
is suddenly a flex. I think flex means like you're
cool or something. I don't know that, but okay.
Speaker 2 (15:09):
Nothing sounds older than when you try to explain terminology
that isn't even fresh. Flex is not a fresh word, dude.
Flex has been around for a while. Oh flex?
Speaker 4 (15:21):
What are these weird kids saying nowadays?
Speaker 8 (15:26):
Oh?
Speaker 4 (15:26):
It's like, uh, like I said that was rad. I
think that means good or something. I'm not sure.
Speaker 14 (15:33):
Uh, rock so rent renting glass?
Speaker 10 (15:38):
Oh?
Speaker 4 (15:38):
I love that the co host called him out.
Speaker 13 (15:40):
Flex means like you're cool or something. I don't know that,
but okay, so Red yes.
Speaker 4 (15:46):
Boomer.
Speaker 13 (15:48):
Renting glasses.
Speaker 4 (15:49):
Okay, on the final I'll come to you first.
Speaker 10 (15:51):
Then.
Speaker 13 (15:52):
I kind of like the idea of renting stuff.
Speaker 4 (15:55):
You know me, I like used things.
Speaker 2 (15:56):
Did this old man just say it's a red flag?
And now he's like, I kind of like the idea.
Speaker 4 (16:03):
God is terrible.
Speaker 2 (16:06):
Pick a lane pal Okay, I'm not even gonna use
that audio anymore because they're just terrible.
Speaker 4 (16:10):
That's miserable.
Speaker 2 (16:11):
I just I think this is red I kind of
like it. God, how do these people get hosting jobs?
Honest to god, you ever see somebody, you see somebody good,
some local newsperson that ends up getting canned, and then you.
Speaker 4 (16:28):
See that crap. Oh drives me nuts anyway.
Speaker 2 (16:33):
According to Business Insider, gen Z is embracing the rental
platforms for things like clothing, strollers, and other lifestyle goods,
driven by what they're calling values of sustainability, flexibility, social
media ready consumption. So they rent it for a period
of time, they do their their video posts, and then
they take it back. Well, I think if you look
at if you look at life like a business. I'm
(16:57):
gonna get a little deep here. If you look at
life like a business, that makes perfect sense. Ultimately, everything
we do is rented. Everything in life is a rental
because you can't take it with you. And I try
to teach this to my kids. They go, oh, I
got a good deal on this car. I go, that's great.
But then they turn around they sell it two years later. Look,
(17:19):
I've made that mistake by the way I've turned cars over.
I get bored with a car and I buy a
new car, and then you know, but I've recently grown up,
and so I try to instill upon them, which never
sink into my own brain until I had a certain age.
Speaker 4 (17:37):
But I try to instill upon them.
Speaker 2 (17:38):
The longer you own something, the less you're paying to
rent it for the period of time that you have it.
Think about this. You buy a car, right, the cars
I'm gonna use around numbers are easy. Buy a car
is fifty thousand dollars. If you have that car for
five years, that car costs you ten thousand dollars a year.
Speaker 4 (17:57):
Right.
Speaker 2 (17:58):
If you bought that car for fifty thousan dollars, you
keep it for ten years, it costs you five thousand
dollars a year. And not only that, but you're not
paying for the next car, which inevitably you're gonna pay
sixty thousand dollars for, and keep that for five years
cost you twelve thousand dollars a year. In other words,
the longer you hang on to something, the less expensive
the initial investment is broken down if you look at
(18:19):
everything like a rental, and when it comes to houses,
you buy a house, you pay seven hundred thousand dollars
for a house. Right if you hold onto that house
for seven years cost you a hundred thousand dollars a year.
Hold on to it for fourteen years cost you fifty
thousand dollars, Hold on to it for twenty eight years
cost you twenty five.
Speaker 4 (18:37):
You get the point, Right, cost you a lesson the
longer you own it, the less it costs you per year.
Speaker 2 (18:42):
The less it costs you to rent that item in
your life, because you can't take.
Speaker 4 (18:47):
It with you.
Speaker 2 (18:48):
Even the Egyptians thought you could take it with and
they just threw it in. They throw it in the pyramids,
and then it's here two thousand years later, and it
doesn't matter. It's not looking you take it with you
to the afterlife. The best you could hope for us
to pass it on to somebody a house. You can
pass that on as an inheritance, and maybe they hang
on to it a little bit longer. But ultimately everything
in life is a rental. The key is to try
to get the lowest price on that rental possible. Or
(19:13):
if you're renting something and you look at life like
a business. In the case of the gen zs, they
may be renting clothing so that they can cut a
video so that they can do whatever their influencer lifestyle
is bringing about. And if that's the case, then they
rent it for a few days rather than buying it.
And while the rental price may be I don't know,
one hundred dollars to rent it, if you're not paying
(19:34):
five hundred dollars to buy it, you're saving four hundred
bucks because you weren't gonna wear it again anyway, and
then you're making money on it as well.
Speaker 4 (19:40):
See, but if you're gonna buy it, excuse me.
Speaker 2 (19:44):
If you're gonna buy it for five hundred dollars but
you're gonna wear it ten times, that's less expensive than
renting it ten times.
Speaker 4 (19:50):
Okay, So everything is a.
Speaker 2 (19:52):
Value proposition, and it would seem that gen Z is
starting to figure that out. And for many of them,
they're saying, you know what, I'm not even gonna own
a home. I'm gonna rent a home, and I'm gonna
turn that money that I would be using on a
home and I'm gonna put it in the stock market.
I'm gonna get eight to ten percent returns on it
rather than trying to get a three percent return out
of house that I that I bought. That's the way
(20:13):
they're looking at it. I don't blame them for doing it.
It's obviously a bit more complicated than that, but that's
the gist. Meanwhile, for the rest of us, get that
paycheck on Friday, how much of it is left on Monday,
you'll find out.
Speaker 4 (20:28):
You'll find out what that is for most of us.
Speaker 2 (20:30):
And if you're alone, or rather you're not alone, you'll
find out that you're just calle. You do the teas
next time, just you're not alone, your paycheck Monday, whatever
it's next.
Speaker 1 (20:40):
Chris Merril, you're listening to KFI AM six forty on demand.
Speaker 2 (20:47):
As one economist that says the housing market is gonna crash.
It's gonna be worse than two thousand and eight. Once
you feel like me, you're like, good, now I'm gonna
be able to afford a home. So the housing market crashes,
where are you buying your drink home? You know what
I just watched? This relates by the way. You know
what I just watched. I watched The Chief of War
(21:08):
on Amazon No excuse me, Apple, and I think it
was Apple.
Speaker 4 (21:13):
This is Jason Momoa show. Have you seen that, Kayla?
Speaker 7 (21:17):
I have not, but you have me at Jason Momoa.
Speaker 2 (21:20):
Yeah, it's it's pretty good. I mean it's a little
this is gonna sound bad, and I don't mean for
it bad. It's a little slow moving, but it's one
of those shows that's it moves slow, but it's okay. Right,
there's a few of these that, like mad Men was
slow moving, but it was good. Like I was. I
was focused on it. But it's one of those things
(21:41):
if you have add ADHD it might be tough, tough
for you to focus. But I thought, wow, this is
great and the shots of Hawaii are amazing, and I
was like, maybe Hawaii if the market crashes, it looks
like a nice place to be.
Speaker 4 (21:58):
That's all I got.
Speaker 2 (21:59):
So the housing market crashes, where are you buying your
dream home? If you're on the iHeartRadio app to shit
that talk back button, let us know. In the meantime,
you get your paycheck on Friday, how much of it
is left on Monday? Well, if you're like most Americans,
about half of it is left by Monday. We are
burning through paychecks about as quick as possible. According to
(22:21):
something on the YouTube called your Tango.
Speaker 9 (22:23):
Do you ever feel like your paycheck lasts about five
minutes before it's completely gone?
Speaker 4 (22:27):
Well, if so, you're not alone.
Speaker 9 (22:28):
A recent study of US workers found we spend almost
all of our paycheck within forty eight hours of it
hitting our accounts. Wow, and more than a third of
it has gone in the first twelve hours.
Speaker 4 (22:39):
That's impressive. That's a lot of door dash.
Speaker 9 (22:42):
A study found that more than half gets spent on
rent and groceries right out the gate, followed by bills
due within the next week, rent or mortgage and credit
card bills. Study found that more than half gets spent
on basics and groceries as the first priority. And after
those first forty eight hours, you're stretching whatever's left until
the next pay period.
Speaker 2 (22:59):
Boy, that is so true, which is why what is
it half the country is living paycheck to paycheck only half? Yeah,
I mean, yeah, that isn't that wild? And boy, I've
been there. I've been like, Okay, I got half my
paycheck left. I sure would like to enjoy my life
at some point, but I have to be sure I
have enough money come next Tuesday to be able to
(23:22):
put gas in my tank in case I run out,
which is why we all we all get paid on Friday,
and then we go out Friday night. Right, It's like,
because I have a little bit of cash, and while
I got some scratch and I'm not stressing about money
right now, I'm going to go enjoy my life.
Speaker 4 (23:36):
But then we go spend it, and then we're worried
about our money for the next two weeks.
Speaker 9 (23:39):
And while it may sound like this is just bad money,
management of due dates have a lot to do with this.
About a third of respondent said all of their bills
are due right in the first week of the month.
Speaker 4 (23:50):
Yeah, that's true.
Speaker 2 (23:51):
Yeah, unless you can get Unless you can like there's
some credit card companies will let you pick your your date.
Speaker 4 (23:59):
Some of their lenders.
Speaker 2 (24:00):
Ull less, you choose your date, and if you even
do that, you know you may be able to kind
of play the system a little bit so that you're
not boning yourself at the beginning of the month.
Speaker 9 (24:09):
And many are also regularly playing catch up from the
previous months.
Speaker 4 (24:12):
Yeah, that's totally true. That's how mine.
Speaker 2 (24:14):
I've got let's see, I got rent due, I've got
utilities are due, I've got car payment due all the
first like.
Speaker 4 (24:22):
Week of the of the of the month.
Speaker 2 (24:26):
Yeah, and then you like the whole rest of the month, like,
I got to make sure I have enough to start
next month. And is there anything better than those months?
You get three paychecks? You know what I to talk about?
If you get paid every other week twice a year,
you get three paychecks yeah, yeah in one month, and.
Speaker 4 (24:42):
You're like, oh, I am rolling in it.
Speaker 9 (24:46):
And while more than one and four said they were
still able to save a little bit from most of
their paycheck, most people just don't have enough. So what
can you do if you're in this situation?
Speaker 4 (24:54):
Well, sell a kidney.
Speaker 9 (24:55):
Getting paid more often would help a lot, but for
most of us, we're not in charge of that. But
you can move all of those due dates toward the
middle or end of the month. Oh, I just though
I personally do pretty much everything besides my rent comes
out of the second paycheck.
Speaker 4 (25:07):
Yeah, but you're also a YouTuber, so how much can
you really make? Not the first?
Speaker 9 (25:10):
We just leave her alone for Daddy Landlord. You can
also set up automatic transfers to savings so that it
gets put there before everything gets eaten up with bills.
Even just a tiny amount like five dollars a paycheck
adds up over time.
Speaker 4 (25:23):
Okay, not really, five dollars a paycheck.
Speaker 7 (25:29):
Hang on, takes a long time.
Speaker 4 (25:31):
Take a long time.
Speaker 2 (25:34):
It's like one hundred and thirty If you get paid
twenty six pay periods, you know, every two weeks throughout
the year, it's twenty six paychecks.
Speaker 4 (25:41):
Yeah, five dollars, five dollars a pay period.
Speaker 2 (25:43):
Okay, come Christmas, you're gonna have one hundred and thirty
dollars to spend.
Speaker 6 (25:47):
Well.
Speaker 9 (25:47):
You also split your bills across your paychecks, half of
it from the first paycheck, the second half from the second.
Timing your cash to the calendar can help cushion the
blow a bit and at least make it feel like
your paycheck lasts a little bit longer.
Speaker 2 (25:58):
Yeah, you know, I hate to say this. I think
my parents were right. My parents said something when I
was young, and I always thought they.
Speaker 4 (26:13):
Needed to shut up. Dad. He said, you should live
within your means, spend less than you make ka boomer. God,
he might have been right. Oh, he might have been
so right.
Speaker 2 (26:32):
Only about twenty eight percent of us say that we
put money into savings right away. Half the paycheck has
gone so fast, so we feel like I can't save anything.
Speaker 4 (26:39):
I gotta put away. This is one of the lessons
I try to teach my kids.
Speaker 2 (26:42):
When all of a sudden, I found myself turning into
my father and I said, look, if you can do
one hundred dollars a paycheck into a four oh one
k a retirement of some sort.
Speaker 4 (26:52):
And I was showing I'll never forget this. I was
showing my son.
Speaker 2 (26:54):
We went out to eat it Red Robin Man Robin,
and I was trying to explained to him.
Speaker 4 (27:00):
Think he was about twenty three, twenty four years.
Speaker 2 (27:02):
Old, and I said, I pulled out a retirement calculator.
I go, look, look, if you could save two hundred
dollars a month, that's it from now until you retire,
you'll retire a millionaire a two hundred dollars a month,
and his.
Speaker 4 (27:17):
Mind was blown. I could have a million dollars at
two hundred.
Speaker 2 (27:20):
Dollars a month, And in my mind, I'm thinking, yeah,
but by the time you're twenty seven, you're gonna be
saving three hundred dollars a month. By the time you're thirty,
you're gonna be saving five hundred dollars a month by
the time.
Speaker 4 (27:28):
You're you know what I mean.
Speaker 2 (27:29):
In my mind, I'm thinking that number is gonna go up,
and it's gonna go up, but it's gonna go up
because you're gonna make more money and you're gonna set
more aside. But yes, if you just save two hundred
dollars a month starting in your early twenties, you're gonna
be a millionaire by the time you retire, based on
average market market gains.
Speaker 4 (27:41):
Did he do it? No, But to his credit, he did.
Speaker 2 (27:44):
When he was about twenty six or twenty seven, he
started saving for retirement.
Speaker 4 (27:47):
I was very happy about that.
Speaker 2 (27:49):
He was like, I don't have any extra money to
be able to set aside.
Speaker 4 (27:54):
I said, here's the thing, Yeah, you do.
Speaker 2 (27:57):
You just don't realize it because you're spending and if
you don't have it to spend, then you figure out
a way. If you're setting it aside, then you figure
out a way to get by without that money. But
the fact that you're spending it right now, you think
I can't cut back any further. But you can't. And
unless you're at the point where every dollar is taken
by your rent and your utilities, yeah you can. You
(28:18):
just have to figure out what you're gonna sacrifice. Meanwhile,
we've got a new, big, beautiful bill that is saving
a lot of people a ton of money right because
we're not taxing tips. So imagine you open your phone
and you send somebody a few bucks for doing.
Speaker 4 (28:33):
Something you really liked, and you're thinking that that is
a tip, that is that is tax free.
Speaker 2 (28:41):
But now the government wants to tell you you're a
dirty old man, and they might be right, and it
might cost you to come tax time.
Speaker 4 (28:47):
You're gonna find out why.
Speaker 1 (28:48):
Next Chris Meryl, you're listening to KFI AM six forty
on demand.
Speaker 2 (28:59):
One Economy, probably looking for clickbait, says the housing market
is due for a crash or a reset or a correction,
whatever you want to call it. They say that it's
going to make twenty eight, two thousand and eight. Excuse me,
look tame, oh baby, look out.
Speaker 4 (29:14):
So we asked, if that happens, where are you buying
your dream home? Hey, Chris Merrin, Yay, I like when
you come on, thanks man.
Speaker 12 (29:22):
Anyway, it's probably.
Speaker 2 (29:26):
More of a chance of the Big Earth by hitting us.
Speaker 9 (29:30):
Oh, making the prices at least cut in half like
they did in ninety seven.
Speaker 4 (29:35):
Or ninety four. Oh yeah, yeah, I guess, yeah, cuts.
Speaker 15 (29:38):
Prices in half.
Speaker 4 (29:39):
That's how I got into my house. Okay, good night,
all right, thanks man. So are we praying for an earthquake?
Speaker 5 (29:47):
Man?
Speaker 2 (29:48):
And then when I asked the question, if the housing
market crashes, where are you buying your dream home? Your
dream home is not a fault Okay, I mean every
day's an advent. Sure, I suppose when you do that,
that's cool.
Speaker 4 (30:02):
I'm down with it.
Speaker 2 (30:03):
If you're on the iHeart Radio, I put that talk
back button. That's how you get in the conversation. If
the housing market crashes, where are you buying your dream home?
Right right on the fault line.
Speaker 15 (30:12):
Yeah, Chris Meryl, this doesn't add anything to your show
because your show's already great. But I just heard you
talking about property and owning and renting. But in the
eighties when I lived in California.
Speaker 4 (30:23):
Yeah, huh, Kyler, she got cut off.
Speaker 7 (30:28):
I don't think we're meant to know what happened in
the eighties in California.
Speaker 4 (30:32):
She sounded hot though, Yeah, sure, and she said she
liked me. She said I was great.
Speaker 11 (30:40):
Is that why she sounds hot because she said that
if she said the opposite, would she still sound hot?
Speaker 4 (30:44):
No?
Speaker 15 (30:44):
Okay, Chris Meryl, this doesn't add anything to your show
because your show's already great.
Speaker 4 (30:51):
See that's all I need.
Speaker 2 (30:53):
Yeah, it's tough, Okay, all right, all right, thank you,
hot lady, appreciate you. So you know, the big beautiful
bill pass right, and the Trump administration passed this whole
no tax on tips deduction, and this is turning into
a mess because the IRS now has to define what
counts as a tip, and they're trying to figure out
(31:17):
what is.
Speaker 4 (31:18):
The tip and what is just the tip? Are you
picking up what I'm putting down?
Speaker 2 (31:28):
No?
Speaker 4 (31:29):
Okay, is that a tip? Or is that just the tip?
Are you picking up what I'm putting down down?
Speaker 7 (31:39):
Nobody wants to pick it up. Nobody wants to do that.
Speaker 4 (31:42):
So the rule on tips excludes pornographic activity.
Speaker 2 (31:48):
So now sex workers, digital creators, and tax experts are
wondering that the policy is inviting discrimination and subjective audits.
Conservative groups pushing for the exclusion on just the tip,
and the IRS has no clear plan on how to
enforce it.
Speaker 4 (32:02):
So basically, only fans workers are freaking out.
Speaker 2 (32:05):
This is the only fans clause in the.
Speaker 4 (32:09):
Bill because my understanding is.
Speaker 2 (32:15):
OnlyFans workers basically put on a show and then ask
for tips.
Speaker 4 (32:22):
Am I right on that.
Speaker 7 (32:22):
Killer that they put on a show.
Speaker 4 (32:26):
And that they get paid in tips? Ollie, how does
it work? No comment?
Speaker 2 (32:34):
Good talk to enforce This is from something called the
Ryan Gorman Show.
Speaker 4 (32:39):
A new tax rule.
Speaker 14 (32:41):
IRS agents are now going to have to watch content
on platforms like OnlyFans.
Speaker 2 (32:46):
Wait a minute, the IRS is paying people to watch OnlyFans.
Speaker 14 (32:53):
The issue has to do with the no tax on
tips deduction in the One Big Beautiful Bill, which blocks
earned from prostitution or pornographic activity.
Speaker 4 (33:04):
That's crap.
Speaker 14 (33:05):
Now Congress didn't define what counts as pornographicah, so the
IRS has to figure it out.
Speaker 4 (33:14):
Cale don't ever be that person who just goes.
Speaker 7 (33:16):
Yeah, I thought that was Eileen for a moment.
Speaker 11 (33:18):
I didn't know why she was so excited, but okay,
good to know that it wasn't. Yeah.
Speaker 4 (33:22):
Yeah, Well she's adding a lot to that conversation.
Speaker 14 (33:24):
On a case by case basis, so that, oh my gosh,
it means the agents and sometimes tax court judges are
literally going to review videos to decide if they crossed
the line.
Speaker 7 (33:39):
Oh my god.
Speaker 14 (33:39):
A tax expert says, it'll often come down to the
agent's own judgment. Sometimes, you know, it's clearly porn Sometimes
it's a little more debatable, And it's also apparently unclear
where the IRS is going to draw the line on content. So,
for example, can strippers claim the deduction if you're on
OnlyFans and you're just stripping?
Speaker 4 (34:00):
Is that pornography?
Speaker 7 (34:01):
I don't think it is.
Speaker 2 (34:05):
Okay, First of all, I got really distracted by that
second genuine question. Not a lawyer, and maybe I'm overthinking this.
Maybe I've thought myself into a circle and this is wrong.
But couldn't you say that you are performing an art?
I mean, isn't how pornography has been protected throughout the years?
(34:25):
Is that it's artistic expression. Isn't that why pornography is
protected by the First Amendment in the first place. Why
throughout all of American history, when it's tried to be banned,
the Supreme Court has consistently said, you can't ban it.
It is a freedom of expression, is a freedom of speech.
It is an art basically. So now you're gonna say
that it's excluded from from the law because you because
(34:52):
the government disagrees with the art. Isn't that punishing someone
based on speech? Again, I'm not a lawyer. There's probably
some constitutional lawyer that's screaming at the radio and saying, moron,
you're not seeing it, why you're so dumb? But I mean,
I first thought, aside from I've never wanted to be
(35:12):
an IRS agent more in my entire life, is this
seems very discriminatory and based on a protected right. Some
adult creators would not qualify anyway. Deduction phases out over
one hundred and fifty thousand people and it disappears over
four hundred thousand. Several top earners on OnlyFans, including creators,
(35:34):
make millions of dollars and are actually over the income limit,
so they couldn't even claim those deductions because they make
too much money. The adult industry season is part of
a broader pressure campaign. Advocates are warning that the IRS
could be used as a tool to marginalized creators under
the banner of tax policy.
Speaker 4 (35:53):
So there you go.
Speaker 2 (35:56):
Basically, I guess know what you're getting into before you
start your page. And once you get that one hundred
and fifty thousand dollars, stop howl afie know I don't know.
Speaker 4 (36:05):
Move on. There's no business like show business.
Speaker 1 (36:08):
And it's next Chris Merril kfi AM six forty on
demand
You're listening to KFI AM sixty on demand.
Speaker 2 (00:09):
We asked the question, if the housing market crashes, where
are you buying your dream home?
Speaker 3 (00:13):
If the housing market crashes, I'm gonna buy Dean Sharp's house.
Obviously it's a killer deal. He is awesome. He knows
how to fix houses. Yeah, build houses and make them sweet.
So goodbye, Dean.
Speaker 4 (00:29):
I'm moving in there. You go.
Speaker 2 (00:31):
Take that, Dean Sharp. You're out of here. Pal, you
just got evicted your toasties?
Speaker 4 (00:38):
Hey?
Speaker 5 (00:38):
What that's out of this Chris Merrill?
Speaker 4 (00:40):
It's nice doing well? Okay?
Speaker 5 (00:43):
How come nobody ever talks on what's so obvious about
how property has been just appreciating like crazy here in
southern California no matter where you go, from East La.
All the wood of Marina Valley or anywhere you go,
thirty six of proper last year was bought by Chinese foreigners.
Why are we allowing foreigners to buy property?
Speaker 6 (01:07):
What?
Speaker 2 (01:07):
You don't believe a free market? What? Wait a minute,
what do you you? Anti business?
Speaker 7 (01:14):
That's a good turney.
Speaker 2 (01:15):
What's the matter with you? How dare you an anti business?
Anti capitalist? Probably a communist? How dare you? I don't know,
that's a legit question. I got no answer for you.
That policy allows capitalism. First, I guess yeah, that's the uh,
that's the answer. Not a bad observation. Fox Newis was
(01:36):
talking about this economist that says, look out, the housing
market is going to be so so bad it is it?
Speaker 8 (01:43):
Obviously it would be a big deal. As the housing
analyst in this article Melody Right, claimed that home prices
could drop by fifty percent, but few experts of.
Speaker 4 (01:55):
Fifty Oh baby, I'm gonna own ah, I'm gonna own ha.
Speaker 8 (02:04):
Agree with this tape. Let's be joined right now for
more understanding. Dave Meyer, head of investing at Bigger Pockets,
given us.
Speaker 4 (02:12):
Oh good, we went straight to the top.
Speaker 2 (02:14):
We got the head of investing at Bigger Pockets, so
obviously one of the great invest bank.
Speaker 4 (02:24):
Blogs.
Speaker 8 (02:26):
Some answers on this. That was quite the take, obviously
to say that it would drop by fifty percent, which
would far surpass what happened in two thousand and eight.
Where do you stand on this and can you state
the facts?
Speaker 4 (02:39):
State the facts?
Speaker 2 (02:40):
Just fact Joe Friday, Wait a minute, if the housing
market dropped by fifty percent, that wouldn't have not surpassed
two thousand and eight.
Speaker 4 (02:47):
That's what we all saw.
Speaker 2 (02:49):
I had a friend, by the way that bought a
condo in downtown San Diego for something like one hundred
and twenty thousand dollars. Oh god, it was a good
time to have money. The kind of now is worth like,
you know, nine hundred thousand. They bought it for like
one twenty five. It's crazy.
Speaker 6 (03:08):
Thanks for having me, Andy, Yeah. I think for the
housing market, the much more likely path is a slow
and steady return to affordability. I think that's the best
thing that could happen for the housing market. And although
it can make a very clickable headline to call for
these dramatic crashes in the housing market.
Speaker 2 (03:27):
Are you what someone would have a hot take just
for clicks. Not in today's internet driven society, sir, they
are very unusual.
Speaker 6 (03:36):
There has only been one since the Great Depression that
happened in two thousand and eight. So if of course,
it's on a lot of people's minds, but that does
not mean that it's a normal thing that happens in
the housing market. And right now there's just no evidence
that we are heading towards a crash.
Speaker 8 (03:52):
Yeah, and obviously, just saying that it obviously brings chills
to some people to think about what happened in two
thousand and eight. I do want to put up this
of what she said in this article courtesy of Newsweeks.
She says, quote, I think we're going to correct all
the way to a point where household median income, that is,
the home price, the median home price, and so that
(04:12):
is going to be worse than two thousand and eight.
That could evolve a lot.
Speaker 4 (04:16):
How is that worse? That sounds great?
Speaker 2 (04:18):
Oh, the median home price will devolve to a point
where you could afford it on a normal income.
Speaker 4 (04:24):
Oh, terrifying news. Faster than last time.
Speaker 8 (04:28):
When you're talking about median home price in terms of
median income as well, that is quite the discrepancy.
Speaker 4 (04:35):
But could we get closer to that?
Speaker 6 (04:38):
I think it's possible that we get closer, but it
will be very modest. If you actually think about this,
The median household income in the United States right now
is eighty three thousand dollars.
Speaker 4 (04:47):
Okay.
Speaker 6 (04:47):
The median price of a home is about four hundred
and thirty thousand dollars. Yeah, So what this is saying
that the price of homes could drop more than eighty
percent in one event.
Speaker 9 (04:58):
Nothing like that.
Speaker 7 (04:58):
Has ever happened.
Speaker 6 (05:00):
Just for context, in two thousand and eight, the worst
housing crash that we've seen in more than one hundred years. Yeah,
the home price has dropped nationally, peaked to troth twenty percent.
Speaker 4 (05:12):
Obviously here it was more.
Speaker 2 (05:14):
Uh okay, So even if home prices drop by twenty percent,
that still means that the median home price in southern
California is not attainable to the person making the median
income household income. Even if we have a massive crash,
(05:39):
we still can't afford a house.
Speaker 4 (05:42):
Huh.
Speaker 2 (05:43):
So weird that socialists are starting to get elected around
the country, isn't it. It's so bizarre that people are saying, Wow,
it's gotten to the point where I can't afford to
do the basic things. It's so strange that people are
questioning the viability of the American dream.
Speaker 4 (06:01):
Definitely in a place like this.
Speaker 2 (06:04):
Where your median home value is nine hundred thousand dollars,
that's median. That's not a three to two with a
white picket fence and a dog in the front yard
where you can raise your two point three kids. We've
gotten to the point where people are having fewer children
because they can't afford them. They are living in stacked housing, condos, apartments, townhouses,
(06:30):
multi family living because the idea of a single family
home seems like it's only available to the rich and famous,
and that used to be the American dream.
Speaker 4 (06:38):
Now I understand we also have a space issue.
Speaker 2 (06:40):
And I also understand because I look in fairness, I
live in multi family housing and there is certain convenience
to it. I can take off, I don't have to
worry about somebody mowing my lawn. Right, I get it,
there's good reason for it. The idea is that I
live in multi family housing because I want to, not
because it's the only thing I can afford. And then
(07:02):
we're surprised when we see politicians come by and say
the rent is too damn high and we ought to
do something about it.
Speaker 4 (07:09):
Instead of saying to.
Speaker 2 (07:11):
Our person with the talkback, we need to try to
sell to the Chinese investors for as much as we
possibly can.
Speaker 4 (07:19):
How is that beneficial?
Speaker 2 (07:21):
So this is one of those situations where what might
be good for one person is not necessarily good for everyone.
Speaker 4 (07:28):
And unless we take a long term view, we're.
Speaker 2 (07:33):
Gonna continue to be stuck in this position, and then
you're gonna have more and more politicians that come out
and say it's too damn and then those politicians get elected,
and then you see basically a coup. That's when you
see people that say, we have to turn to a
more communist viewpoint or a more socialist viewpoint, and we'll
(07:56):
have no one to blame about ourselves. That's the truth. Well,
have no one to blame about ourselves. And we've seen
this play out in history before. Revolutions come because of
affordability issues, and as long as we continue to have
affordability issues, we're going to have more and more people
stepping up and saying I can't keep voting for the
people that keep me poor. And at some point we're
(08:19):
gonna stop. This is not a left right thing, because
the politicians on both sides are doing this, the Shenanigans. Okay,
so don't think that I'm out here screaming about one
side or the other. But at some point there's gonna
be a revolution unless we get these sorts of things
under control. Now, you'd be forgiven for thinking that gen
Z is broke because they're always whined about it. They rant,
(08:40):
they wait, but maybe, just maybe gen Z has figured
out way sooner than the rest of us ever did
the best way to go about using their money find
out what the Zoomers might be onto it's next time,
Chris Meryl.
Speaker 1 (08:57):
You're listening to KFI AM six forty on demand.
Speaker 2 (09:03):
I just love when you guys give us talkbacks too,
because you always say things on the talkbacks.
Speaker 4 (09:07):
It made me think.
Speaker 2 (09:08):
You say things that give us pause, you say things
that spark a new conversation. You always add to the program.
Whenever you pull up the app and you hit that
talkback button and you send us a message, you always
say something that I I don't think.
Speaker 4 (09:21):
I don't think the show would be what it is
without that. Mister Merrow, it's so good to hear your
voice on Sunday. You're kind of like church man. I'm
gonna smoke a nice little spliff chill and you always
relax me. Thank you. You make a for a better
less trending this week.
Speaker 2 (09:41):
Yeah, like I said, yeah, basically basically always adding. We
asked the question about the housing market. If the housing
market crashes, where would you buy.
Speaker 4 (09:53):
Your dream home?
Speaker 2 (09:54):
But then we talked about how one economist says, oh,
look out the housing market. We're gonna have a price correction.
It's gonna be one worse than two thousand and eight.
Prices are going to drop by half in just months.
It's going to be pandemonium, cats and dogs lying together.
Speaker 4 (10:07):
It's going to be absolute disaster. A few of you
at thoughts, Chris. This is Dan. Hey, Dan.
Speaker 10 (10:17):
I'll tell you what I did. In two thousand and two.
I sold my house. I sat in an apartment after
that and watched it go up by two hundred and
then two thousand and six the market crashed. Yeah, and
so I bought that house back again. Oh with the
money that I saved living in an apartment. Well, it's
(10:39):
called shorting the housing market.
Speaker 4 (10:42):
Yeah, man, I hear you, I hear you. I did
it wrong. I sold a house.
Speaker 2 (10:50):
My wife and I were, we left Phoenix, we were
living in Phoenix, and then, you know, I say this.
I've said this before. I've been fired from some of
the greatest radio stations in America, and because I'm a
middle aged white guy, I keep falling up. So here
i am market number two, biggest talk radio station in
the country.
Speaker 4 (11:11):
Yeah, it's amazing how that works. Kellie.
Speaker 2 (11:14):
You should try being a middle aged white guy. It
really has some benefits.
Speaker 4 (11:17):
Have you thought about that?
Speaker 11 (11:19):
You know, No, it's not really anything that I aspire
to be met out. I'm dating one, so I think
I get the benefits with somebody else without having to
actually be that, because that's all I get.
Speaker 4 (11:28):
That I am. Okay, So you don't have bowlding or
a rectile dysfunction, good for you.
Speaker 7 (11:32):
I have rhythm and yeah, yeah, things like that.
Speaker 4 (11:34):
Okay, so you basically figured it out.
Speaker 7 (11:37):
I think.
Speaker 4 (11:38):
So that's good. That's smart.
Speaker 2 (11:41):
Got my wife and I sold the house for about
it for three hundred thousand. We were in we were
in Phoenix. I bought it for three hundred thousand in
UH twenty fifteen, did some improvements. I had to fix
the foundation. That was a twenty five thousand dollars bill,
and then we sold it in twenty twenty. J Ruary
twenty twenty, we sold it for three eighty five and
(12:03):
we didn't after I put it a new air conditioner,
water heater, after you paid the realtor fees and all
that other stuff, we really didn't make any money on it.
I mean, we paid it off, but I think we
cleared something like fifteen grand or something.
Speaker 4 (12:14):
It wasn't that much, okay, but.
Speaker 2 (12:15):
We were like, all right, you know we made it
went up eighty five thousand dollars in five years.
Speaker 4 (12:20):
It's not bad.
Speaker 2 (12:21):
That house just sold last year for seven hundred and
twenty seven thousand dollars. Five more years, it would have
doubled in price. No, did I short the housing market. No,
I'm like the guy that bought this fella's apartment in
two thousand and two and then had to sell it
back to him in two thousand and six for less
than I paid.
Speaker 4 (12:38):
But that's me. I'm the goober. It's me.
Speaker 12 (12:43):
The American dream will always be alive. And well, you
just marry it. Oh, if you marry it, then you
have to pay for house, the cars, the furniture. You
don't have to work. You go out and marry it.
And there are still opportunities to go out for a
woman and married that American dream.
Speaker 4 (13:04):
Cayla, she sounds like she sounds like she's got like
you're planning going on there.
Speaker 7 (13:08):
You know I wasn't. I kind of like her.
Speaker 11 (13:10):
I think she makes a lot of sense, and I
thought we would be friends in the real World's.
Speaker 4 (13:13):
Great, right, Yeah, that's pretty smart. Yeah, that's the way
to go.
Speaker 2 (13:19):
Wow, that's another one. I goofed up married a divorced
woman with three kids.
Speaker 7 (13:25):
Doesn't she make a lot of money?
Speaker 4 (13:27):
Yeah?
Speaker 7 (13:28):
Doesn't. Isn't she like the bride winner because you work
in radio?
Speaker 4 (13:31):
Yeah?
Speaker 7 (13:32):
Okay, so you're right.
Speaker 2 (13:34):
I mean, imagine where she would be if she didn't
have a divorce, three kids and me to drag her down.
Speaker 7 (13:39):
Oh man, she would be queen of the world.
Speaker 2 (13:41):
People would be like, are you a middle aged white
guy really doing something great?
Speaker 4 (13:50):
Man? Did I luck out? Man? Did I look out? Meanwhile?
Speaker 2 (13:55):
Gen Z may have figured this out way ahead of us.
Fox Business was talking about their obsession with renting everything.
Speaker 13 (14:02):
A generational shift is underway, and it's moving away from ownership.
Gen Z is now renting just about everything, clothes, strollers,
even glassware.
Speaker 2 (14:15):
I understand renting strollers. That makes sense to me, kind
of like renting a wedding dress. Never understood why women
bought wedding dresses. Oh it's my wedding dress, so beautiful.
I'm gonna wear it once, put it in a box.
Then in thirty years I'm gonna take it into it.
My sister's closet and try to get thirty bucks for it.
Speaker 4 (14:31):
They won't give it to you because it's an old style.
This is true. I had an old wedding dress. I
had to take it was my ant old wedding dress.
Speaker 2 (14:40):
She's like, oh, see if you can take it down
to my sister's closet and get something for it. And
they did, and they were like, no, that's an old style.
Nobody wants that crap. We wouldn't give us anything for it.
Like this is a five thousand dollars.
Speaker 7 (14:48):
Dressing to get a timeless one?
Speaker 4 (14:51):
Oh is that a thing? Yeah?
Speaker 13 (14:53):
Okay, and it could end up reshaping the American economy.
What used to be considered a fine anchel red flag
is suddenly a flex. I think flex means like you're
cool or something. I don't know that, but okay.
Speaker 2 (15:09):
Nothing sounds older than when you try to explain terminology
that isn't even fresh. Flex is not a fresh word, dude.
Flex has been around for a while. Oh flex?
Speaker 4 (15:21):
What are these weird kids saying nowadays?
Speaker 8 (15:26):
Oh?
Speaker 4 (15:26):
It's like, uh, like I said that was rad. I
think that means good or something. I'm not sure.
Speaker 14 (15:33):
Uh, rock so rent renting glass?
Speaker 10 (15:38):
Oh?
Speaker 4 (15:38):
I love that the co host called him out.
Speaker 13 (15:40):
Flex means like you're cool or something. I don't know that,
but okay, so Red yes.
Speaker 4 (15:46):
Boomer.
Speaker 13 (15:48):
Renting glasses.
Speaker 4 (15:49):
Okay, on the final I'll come to you first.
Speaker 10 (15:51):
Then.
Speaker 13 (15:52):
I kind of like the idea of renting stuff.
Speaker 4 (15:55):
You know me, I like used things.
Speaker 2 (15:56):
Did this old man just say it's a red flag?
And now he's like, I kind of like the idea.
Speaker 4 (16:03):
God is terrible.
Speaker 2 (16:06):
Pick a lane pal Okay, I'm not even gonna use
that audio anymore because they're just terrible.
Speaker 4 (16:10):
That's miserable.
Speaker 2 (16:11):
I just I think this is red I kind of
like it. God, how do these people get hosting jobs?
Honest to god, you ever see somebody, you see somebody good,
some local newsperson that ends up getting canned, and then you.
Speaker 4 (16:28):
See that crap. Oh drives me nuts anyway.
Speaker 2 (16:33):
According to Business Insider, gen Z is embracing the rental
platforms for things like clothing, strollers, and other lifestyle goods,
driven by what they're calling values of sustainability, flexibility, social
media ready consumption. So they rent it for a period
of time, they do their their video posts, and then
they take it back. Well, I think if you look
at if you look at life like a business. I'm
(16:57):
gonna get a little deep here. If you look at
life like a business, that makes perfect sense. Ultimately, everything
we do is rented. Everything in life is a rental
because you can't take it with you. And I try
to teach this to my kids. They go, oh, I
got a good deal on this car. I go, that's great.
But then they turn around they sell it two years later. Look,
(17:19):
I've made that mistake by the way I've turned cars over.
I get bored with a car and I buy a
new car, and then you know, but I've recently grown up,
and so I try to instill upon them, which never
sink into my own brain until I had a certain age.
Speaker 4 (17:37):
But I try to instill upon them.
Speaker 2 (17:38):
The longer you own something, the less you're paying to
rent it for the period of time that you have it.
Think about this. You buy a car, right, the cars
I'm gonna use around numbers are easy. Buy a car
is fifty thousand dollars. If you have that car for
five years, that car costs you ten thousand dollars a year.
Speaker 4 (17:57):
Right.
Speaker 2 (17:58):
If you bought that car for fifty thousan dollars, you
keep it for ten years, it costs you five thousand
dollars a year. And not only that, but you're not
paying for the next car, which inevitably you're gonna pay
sixty thousand dollars for, and keep that for five years
cost you twelve thousand dollars a year. In other words,
the longer you hang on to something, the less expensive
the initial investment is broken down if you look at
(18:19):
everything like a rental, and when it comes to houses,
you buy a house, you pay seven hundred thousand dollars
for a house. Right if you hold onto that house
for seven years cost you a hundred thousand dollars a year.
Hold on to it for fourteen years cost you fifty
thousand dollars, Hold on to it for twenty eight years
cost you twenty five.
Speaker 4 (18:37):
You get the point, Right, cost you a lesson the
longer you own it, the less it costs you per year.
Speaker 2 (18:42):
The less it costs you to rent that item in
your life, because you can't take.
Speaker 4 (18:47):
It with you.
Speaker 2 (18:48):
Even the Egyptians thought you could take it with and
they just threw it in. They throw it in the pyramids,
and then it's here two thousand years later, and it
doesn't matter. It's not looking you take it with you
to the afterlife. The best you could hope for us
to pass it on to somebody a house. You can
pass that on as an inheritance, and maybe they hang
on to it a little bit longer. But ultimately everything
in life is a rental. The key is to try
to get the lowest price on that rental possible. Or
(19:13):
if you're renting something and you look at life like
a business. In the case of the gen zs, they
may be renting clothing so that they can cut a
video so that they can do whatever their influencer lifestyle
is bringing about. And if that's the case, then they
rent it for a few days rather than buying it.
And while the rental price may be I don't know,
one hundred dollars to rent it, if you're not paying
(19:34):
five hundred dollars to buy it, you're saving four hundred
bucks because you weren't gonna wear it again anyway, and
then you're making money on it as well.
Speaker 4 (19:40):
See, but if you're gonna buy it, excuse me.
Speaker 2 (19:44):
If you're gonna buy it for five hundred dollars but
you're gonna wear it ten times, that's less expensive than
renting it ten times.
Speaker 4 (19:50):
Okay, So everything is a.
Speaker 2 (19:52):
Value proposition, and it would seem that gen Z is
starting to figure that out. And for many of them,
they're saying, you know what, I'm not even gonna own
a home. I'm gonna rent a home, and I'm gonna
turn that money that I would be using on a
home and I'm gonna put it in the stock market.
I'm gonna get eight to ten percent returns on it
rather than trying to get a three percent return out
of house that I that I bought. That's the way
(20:13):
they're looking at it. I don't blame them for doing it.
It's obviously a bit more complicated than that, but that's
the gist. Meanwhile, for the rest of us, get that
paycheck on Friday, how much of it is left on Monday,
you'll find out.
Speaker 4 (20:28):
You'll find out what that is for most of us.
Speaker 2 (20:30):
And if you're alone, or rather you're not alone, you'll
find out that you're just calle. You do the teas
next time, just you're not alone, your paycheck Monday, whatever
it's next.
Speaker 1 (20:40):
Chris Merril, you're listening to KFI AM six forty on demand.
Speaker 2 (20:47):
As one economist that says the housing market is gonna crash.
It's gonna be worse than two thousand and eight. Once
you feel like me, you're like, good, now I'm gonna
be able to afford a home. So the housing market crashes,
where are you buying your drink home? You know what
I just watched? This relates by the way. You know
what I just watched. I watched The Chief of War
(21:08):
on Amazon No excuse me, Apple, and I think it
was Apple.
Speaker 4 (21:13):
This is Jason Momoa show. Have you seen that, Kayla?
Speaker 7 (21:17):
I have not, but you have me at Jason Momoa.
Speaker 2 (21:20):
Yeah, it's it's pretty good. I mean it's a little
this is gonna sound bad, and I don't mean for
it bad. It's a little slow moving, but it's one
of those shows that's it moves slow, but it's okay. Right,
there's a few of these that, like mad Men was
slow moving, but it was good. Like I was. I
was focused on it. But it's one of those things
(21:41):
if you have add ADHD it might be tough, tough
for you to focus. But I thought, wow, this is
great and the shots of Hawaii are amazing, and I
was like, maybe Hawaii if the market crashes, it looks
like a nice place to be.
Speaker 4 (21:58):
That's all I got.
Speaker 2 (21:59):
So the housing market crashes, where are you buying your
dream home? If you're on the iHeartRadio app to shit
that talk back button, let us know. In the meantime,
you get your paycheck on Friday, how much of it
is left on Monday? Well, if you're like most Americans,
about half of it is left by Monday. We are
burning through paychecks about as quick as possible. According to
(22:21):
something on the YouTube called your Tango.
Speaker 9 (22:23):
Do you ever feel like your paycheck lasts about five
minutes before it's completely gone?
Speaker 4 (22:27):
Well, if so, you're not alone.
Speaker 9 (22:28):
A recent study of US workers found we spend almost
all of our paycheck within forty eight hours of it
hitting our accounts. Wow, and more than a third of
it has gone in the first twelve hours.
Speaker 4 (22:39):
That's impressive. That's a lot of door dash.
Speaker 9 (22:42):
A study found that more than half gets spent on
rent and groceries right out the gate, followed by bills
due within the next week, rent or mortgage and credit
card bills. Study found that more than half gets spent
on basics and groceries as the first priority. And after
those first forty eight hours, you're stretching whatever's left until
the next pay period.
Speaker 2 (22:59):
Boy, that is so true, which is why what is
it half the country is living paycheck to paycheck only half? Yeah,
I mean, yeah, that isn't that wild? And boy, I've
been there. I've been like, Okay, I got half my
paycheck left. I sure would like to enjoy my life
at some point, but I have to be sure I
have enough money come next Tuesday to be able to
(23:22):
put gas in my tank in case I run out,
which is why we all we all get paid on Friday,
and then we go out Friday night. Right, It's like,
because I have a little bit of cash, and while
I got some scratch and I'm not stressing about money
right now, I'm going to go enjoy my life.
Speaker 4 (23:36):
But then we go spend it, and then we're worried
about our money for the next two weeks.
Speaker 9 (23:39):
And while it may sound like this is just bad money,
management of due dates have a lot to do with this.
About a third of respondent said all of their bills
are due right in the first week of the month.
Speaker 4 (23:50):
Yeah, that's true.
Speaker 2 (23:51):
Yeah, unless you can get Unless you can like there's
some credit card companies will let you pick your your date.
Speaker 4 (23:59):
Some of their lenders.
Speaker 2 (24:00):
Ull less, you choose your date, and if you even
do that, you know you may be able to kind
of play the system a little bit so that you're
not boning yourself at the beginning of the month.
Speaker 9 (24:09):
And many are also regularly playing catch up from the
previous months.
Speaker 4 (24:12):
Yeah, that's totally true. That's how mine.
Speaker 2 (24:14):
I've got let's see, I got rent due, I've got
utilities are due, I've got car payment due all the
first like.
Speaker 4 (24:22):
Week of the of the of the month.
Speaker 2 (24:26):
Yeah, and then you like the whole rest of the month, like,
I got to make sure I have enough to start
next month. And is there anything better than those months?
You get three paychecks? You know what I to talk about?
If you get paid every other week twice a year,
you get three paychecks yeah, yeah in one month, and.
Speaker 4 (24:42):
You're like, oh, I am rolling in it.
Speaker 9 (24:46):
And while more than one and four said they were
still able to save a little bit from most of
their paycheck, most people just don't have enough. So what
can you do if you're in this situation?
Speaker 4 (24:54):
Well, sell a kidney.
Speaker 9 (24:55):
Getting paid more often would help a lot, but for
most of us, we're not in charge of that. But
you can move all of those due dates toward the
middle or end of the month. Oh, I just though
I personally do pretty much everything besides my rent comes
out of the second paycheck.
Speaker 4 (25:07):
Yeah, but you're also a YouTuber, so how much can
you really make? Not the first?
Speaker 9 (25:10):
We just leave her alone for Daddy Landlord. You can
also set up automatic transfers to savings so that it
gets put there before everything gets eaten up with bills.
Even just a tiny amount like five dollars a paycheck
adds up over time.
Speaker 4 (25:23):
Okay, not really, five dollars a paycheck.
Speaker 7 (25:29):
Hang on, takes a long time.
Speaker 4 (25:31):
Take a long time.
Speaker 2 (25:34):
It's like one hundred and thirty If you get paid
twenty six pay periods, you know, every two weeks throughout
the year, it's twenty six paychecks.
Speaker 4 (25:41):
Yeah, five dollars, five dollars a pay period.
Speaker 2 (25:43):
Okay, come Christmas, you're gonna have one hundred and thirty
dollars to spend.
Speaker 6 (25:47):
Well.
Speaker 9 (25:47):
You also split your bills across your paychecks, half of
it from the first paycheck, the second half from the second.
Timing your cash to the calendar can help cushion the
blow a bit and at least make it feel like
your paycheck lasts a little bit longer.
Speaker 2 (25:58):
Yeah, you know, I hate to say this. I think
my parents were right. My parents said something when I
was young, and I always thought they.
Speaker 4 (26:13):
Needed to shut up. Dad. He said, you should live
within your means, spend less than you make ka boomer. God,
he might have been right. Oh, he might have been
so right.
Speaker 2 (26:32):
Only about twenty eight percent of us say that we
put money into savings right away. Half the paycheck has
gone so fast, so we feel like I can't save anything.
Speaker 4 (26:39):
I gotta put away. This is one of the lessons
I try to teach my kids.
Speaker 2 (26:42):
When all of a sudden, I found myself turning into
my father and I said, look, if you can do
one hundred dollars a paycheck into a four oh one
k a retirement of some sort.
Speaker 4 (26:52):
And I was showing I'll never forget this. I was
showing my son.
Speaker 2 (26:54):
We went out to eat it Red Robin Man Robin,
and I was trying to explained to him.
Speaker 4 (27:00):
Think he was about twenty three, twenty four years.
Speaker 2 (27:02):
Old, and I said, I pulled out a retirement calculator.
I go, look, look, if you could save two hundred
dollars a month, that's it from now until you retire,
you'll retire a millionaire a two hundred dollars a month,
and his.
Speaker 4 (27:17):
Mind was blown. I could have a million dollars at
two hundred.
Speaker 2 (27:20):
Dollars a month, And in my mind, I'm thinking, yeah,
but by the time you're twenty seven, you're gonna be
saving three hundred dollars a month. By the time you're thirty,
you're gonna be saving five hundred dollars a month by
the time.
Speaker 4 (27:28):
You're you know what I mean.
Speaker 2 (27:29):
In my mind, I'm thinking that number is gonna go up,
and it's gonna go up, but it's gonna go up
because you're gonna make more money and you're gonna set
more aside. But yes, if you just save two hundred
dollars a month starting in your early twenties, you're gonna
be a millionaire by the time you retire, based on
average market market gains.
Speaker 4 (27:41):
Did he do it? No, But to his credit, he did.
Speaker 2 (27:44):
When he was about twenty six or twenty seven, he
started saving for retirement.
Speaker 4 (27:47):
I was very happy about that.
Speaker 2 (27:49):
He was like, I don't have any extra money to
be able to set aside.
Speaker 4 (27:54):
I said, here's the thing, Yeah, you do.
Speaker 2 (27:57):
You just don't realize it because you're spending and if
you don't have it to spend, then you figure out
a way. If you're setting it aside, then you figure
out a way to get by without that money. But
the fact that you're spending it right now, you think
I can't cut back any further. But you can't. And
unless you're at the point where every dollar is taken
by your rent and your utilities, yeah you can. You
(28:18):
just have to figure out what you're gonna sacrifice. Meanwhile,
we've got a new, big, beautiful bill that is saving
a lot of people a ton of money right because
we're not taxing tips. So imagine you open your phone
and you send somebody a few bucks for doing.
Speaker 4 (28:33):
Something you really liked, and you're thinking that that is
a tip, that is that is tax free.
Speaker 2 (28:41):
But now the government wants to tell you you're a
dirty old man, and they might be right, and it
might cost you to come tax time.
Speaker 4 (28:47):
You're gonna find out why.
Speaker 1 (28:48):
Next Chris Meryl, you're listening to KFI AM six forty
on demand.
Speaker 2 (28:59):
One Economy, probably looking for clickbait, says the housing market
is due for a crash or a reset or a correction,
whatever you want to call it. They say that it's
going to make twenty eight, two thousand and eight. Excuse me,
look tame, oh baby, look out.
Speaker 4 (29:14):
So we asked, if that happens, where are you buying
your dream home? Hey, Chris Merrin, Yay, I like when
you come on, thanks man.
Speaker 12 (29:22):
Anyway, it's probably.
Speaker 2 (29:26):
More of a chance of the Big Earth by hitting us.
Speaker 9 (29:30):
Oh, making the prices at least cut in half like
they did in ninety seven.
Speaker 4 (29:35):
Or ninety four. Oh yeah, yeah, I guess, yeah, cuts.
Speaker 15 (29:38):
Prices in half.
Speaker 4 (29:39):
That's how I got into my house. Okay, good night,
all right, thanks man. So are we praying for an earthquake?
Speaker 5 (29:47):
Man?
Speaker 2 (29:48):
And then when I asked the question, if the housing
market crashes, where are you buying your dream home? Your
dream home is not a fault Okay, I mean every
day's an advent. Sure, I suppose when you do that,
that's cool.
Speaker 4 (30:02):
I'm down with it.
Speaker 2 (30:03):
If you're on the iHeart Radio, I put that talk
back button. That's how you get in the conversation. If
the housing market crashes, where are you buying your dream home?
Right right on the fault line.
Speaker 15 (30:12):
Yeah, Chris Meryl, this doesn't add anything to your show
because your show's already great. But I just heard you
talking about property and owning and renting. But in the
eighties when I lived in California.
Speaker 4 (30:23):
Yeah, huh, Kyler, she got cut off.
Speaker 7 (30:28):
I don't think we're meant to know what happened in
the eighties in California.
Speaker 4 (30:32):
She sounded hot though, Yeah, sure, and she said she
liked me. She said I was great.
Speaker 11 (30:40):
Is that why she sounds hot because she said that
if she said the opposite, would she still sound hot?
Speaker 4 (30:44):
No?
Speaker 15 (30:44):
Okay, Chris Meryl, this doesn't add anything to your show
because your show's already great.
Speaker 4 (30:51):
See that's all I need.
Speaker 2 (30:53):
Yeah, it's tough, Okay, all right, all right, thank you,
hot lady, appreciate you. So you know, the big beautiful
bill pass right, and the Trump administration passed this whole
no tax on tips deduction, and this is turning into
a mess because the IRS now has to define what
counts as a tip, and they're trying to figure out
(31:17):
what is.
Speaker 4 (31:18):
The tip and what is just the tip? Are you
picking up what I'm putting down?
Speaker 2 (31:28):
No?
Speaker 4 (31:29):
Okay, is that a tip? Or is that just the tip?
Are you picking up what I'm putting down down?
Speaker 7 (31:39):
Nobody wants to pick it up. Nobody wants to do that.
Speaker 4 (31:42):
So the rule on tips excludes pornographic activity.
Speaker 2 (31:48):
So now sex workers, digital creators, and tax experts are
wondering that the policy is inviting discrimination and subjective audits.
Conservative groups pushing for the exclusion on just the tip,
and the IRS has no clear plan on how to
enforce it.
Speaker 4 (32:02):
So basically, only fans workers are freaking out.
Speaker 2 (32:05):
This is the only fans clause in the.
Speaker 4 (32:09):
Bill because my understanding is.
Speaker 2 (32:15):
OnlyFans workers basically put on a show and then ask
for tips.
Speaker 4 (32:22):
Am I right on that.
Speaker 7 (32:22):
Killer that they put on a show.
Speaker 4 (32:26):
And that they get paid in tips? Ollie, how does
it work? No comment?
Speaker 2 (32:34):
Good talk to enforce This is from something called the
Ryan Gorman Show.
Speaker 4 (32:39):
A new tax rule.
Speaker 14 (32:41):
IRS agents are now going to have to watch content
on platforms like OnlyFans.
Speaker 2 (32:46):
Wait a minute, the IRS is paying people to watch OnlyFans.
Speaker 14 (32:53):
The issue has to do with the no tax on
tips deduction in the One Big Beautiful Bill, which blocks
earned from prostitution or pornographic activity.
Speaker 4 (33:04):
That's crap.
Speaker 14 (33:05):
Now Congress didn't define what counts as pornographicah, so the
IRS has to figure it out.
Speaker 4 (33:14):
Cale don't ever be that person who just goes.
Speaker 7 (33:16):
Yeah, I thought that was Eileen for a moment.
Speaker 11 (33:18):
I didn't know why she was so excited, but okay,
good to know that it wasn't. Yeah.
Speaker 4 (33:22):
Yeah, Well she's adding a lot to that conversation.
Speaker 14 (33:24):
On a case by case basis, so that, oh my gosh,
it means the agents and sometimes tax court judges are
literally going to review videos to decide if they crossed
the line.
Speaker 7 (33:39):
Oh my god.
Speaker 14 (33:39):
A tax expert says, it'll often come down to the
agent's own judgment. Sometimes, you know, it's clearly porn Sometimes
it's a little more debatable, And it's also apparently unclear
where the IRS is going to draw the line on content. So,
for example, can strippers claim the deduction if you're on
OnlyFans and you're just stripping?
Speaker 4 (34:00):
Is that pornography?
Speaker 7 (34:01):
I don't think it is.
Speaker 2 (34:05):
Okay, First of all, I got really distracted by that
second genuine question. Not a lawyer, and maybe I'm overthinking this.
Maybe I've thought myself into a circle and this is wrong.
But couldn't you say that you are performing an art?
I mean, isn't how pornography has been protected throughout the years?
(34:25):
Is that it's artistic expression. Isn't that why pornography is
protected by the First Amendment in the first place. Why
throughout all of American history, when it's tried to be banned,
the Supreme Court has consistently said, you can't ban it.
It is a freedom of expression, is a freedom of speech.
It is an art basically. So now you're gonna say
that it's excluded from from the law because you because
(34:52):
the government disagrees with the art. Isn't that punishing someone
based on speech? Again, I'm not a lawyer. There's probably
some constitutional lawyer that's screaming at the radio and saying, moron,
you're not seeing it, why you're so dumb? But I mean,
I first thought, aside from I've never wanted to be
(35:12):
an IRS agent more in my entire life, is this
seems very discriminatory and based on a protected right. Some
adult creators would not qualify anyway. Deduction phases out over
one hundred and fifty thousand people and it disappears over
four hundred thousand. Several top earners on OnlyFans, including creators,
(35:34):
make millions of dollars and are actually over the income limit,
so they couldn't even claim those deductions because they make
too much money. The adult industry season is part of
a broader pressure campaign. Advocates are warning that the IRS
could be used as a tool to marginalized creators under
the banner of tax policy.
Speaker 4 (35:53):
So there you go.
Speaker 2 (35:56):
Basically, I guess know what you're getting into before you
start your page. And once you get that one hundred
and fifty thousand dollars, stop howl afie know I don't know.
Speaker 4 (36:05):
Move on. There's no business like show business.
Speaker 1 (36:08):
And it's next Chris Merril kfi AM six forty on
demand
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