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November 11, 2025 42 mins
Earnest ‘EJ’ Christian discusses his family’s recent decision to downsize, NFL Week 10 Observations, Nico Harrison’s dismissal with the Dallas Mavericks, the pros/cons of a 50 year mortgage, and the Michael Jackson biopic teaser.

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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:10):
The Earnestly Speaking Podcast is a show that is founded
on free flowing conversation and may it times venture into
mature subjects. Listener discretion is advised.

Speaker 2 (00:21):
Yeah, earnestly speaking, has it's kidding?

Speaker 3 (00:31):
How much shining in New York?

Speaker 4 (00:33):
Give my gammy carry he so much more to store
my productive flood the street Opinion Nation God Fama seeoh Offen,
the late Nan, He's gonna see me go hustle on,
no limitation, no fag army your metuchables.

Speaker 3 (00:48):
Opinion Nations, Dad Government off season, homemade and chips and
numbing a proply my old wait, supply yourself and comfort
earnestly speaking to my ego is well faced.

Speaker 2 (00:59):
Earnest he's speaking of two people like.

Speaker 3 (01:01):
Play seeing him like a hurricane.

Speaker 2 (01:04):
Durham mile Breeze is speaking.

Speaker 3 (01:07):
Like a gree.

Speaker 2 (01:15):
Podcasts recording this on Tuesday, November eleventh, eleven eleven, two
thousand and twenty five. How you guys doing on this
revery chilly? Uh, South Florida Tuesday afternoon? Yes, it is
actually cold today. Cold now. I guess when you say
cold by those standards if you are a South Florida,

(01:37):
Florida or whatever, that's it's a big deal. But you know,
mid sixties, ain't that cold? Come on now, bro, I
actually walked four miles in a while ago. So I
this is the thing I love about this this kind
of weather for me is this is this is the
time of year. We get more cold fronts down here
between November through February March. So if there's a time
of year why I should be walking the most, which

(01:58):
I walk four miles a day. When I have a
chance to do that, this is the time I need.
I need to crank it up. So I did four
miles today, got done about an hour and ten minutes,
you know. And it's so easy, bro, Like I don't.
I don't do every day, but I do at least
three times a week. And the thing is too also,
like oh I do I put on my headphones and walk,
just walk and move and do something I normally do

(02:18):
in the house anyway, but master don't being productive with it,
you know. So anyway, lots to get to on the
show today, of course you get my week ten NFL observations.
A lot going on in the NFL, of course, as
we uh continue to get through these final weeks before
we get to the playoffs. Uh Nico Harrison fired by
the Maverick. My reaction to that as well, And I

(02:43):
actually wanna I'm gonna talk about something that's actually kind
of like, in my mind, not a cool of days.
The person I stays, Donald Trump has actually proposed a
uh fifty year mortgage, a loan to buyers, to potential
home buyers. I have a lot of opinions about that.
As you guys know, I'm really really much into finances
and budgeting and all that stuff. I have opinions on

(03:06):
that as well. But first I wanted to talk about
some little bit personal here. As I told you guys,
I think on an episode wait last week, I think
it was maybe before that. My family and I my family,
we are downsizing. We actually are planning on moving from
right now. We've been at this place now, living here
we read of course, we've been here for eight years,

(03:29):
and we like it here. Obviously there's been some issues
of lately what comes to this place in a townhouse,
but we are making some adjustments because we are we
have a lot of things going on next year starting
twent twenty six. We're a lot of goals in minds
family as I said, my wife is planning back to
school next year and doing some things of that nature

(03:49):
and planning her future and whatnot. I also have this
is to make about my future as well too, because
a lot of things that are that are going on
that I you know, I've talked about a crossroads, like
I remember when I when I turned forty and I
said something about being in a crossroads. And nothing has
changed since then. But now I'm forty five, and now
I'm thinking, you know, okay, now what do we what

(04:10):
do I do now? Like obviously I have two kids
twelve and eight. Wanted but to go to high school
two years less two years rather, and then you know,
you have a lot of this is to make. I mean,
I'm not getting I'm not old, we're not getting younger,
and there's a lot of things I want to well,
I'm interested in doing, you know, outside of what I
do now. The decision to move, for foremost, for us

(04:32):
is simply this. It's there's just decision to move here
with simply to save money. We well, first off, we're
living in the same development. Nothing's really gonna change it much. Well,
actually we're literally moving two buildings over from right now
so it's not a big move. So nothing changes in
terms of cheating schools for our kids or work, none
of that stuff. Nothing changes there. Just we're just changing

(04:53):
buildings is all we're doing. But we're saving a lot
of money by doing that. Like we're saving an upwards
of four hundred plus four dollars a month on rent
by moving. Added to the fact that her, my wife
and I have been discussing going through a budget and
cutting things out for next year. We're looking at saving
probably in the neighborhood of eight hundred two thousand dollars

(05:15):
a month if we go through with the things we
are deciding to cut a lot of things, looking at
cutting on bills wise. Uh this because like I said,
she's going back to school. To my one, that's a
huge thing for her. She she's become much more career
driven now. I guess what the number is, the what
the word is, I guess. But she never has been

(05:37):
be honest, She'll tell you herself, like she's never been
someone that had goals and stuff. She just lived, you know.
She we we just like her and I like we're
so made for each other that way, because when we
like I had some goals but I never had any
big goals, like I never I never had this goal
of I want to be a CEO of a company,
or you know, I had like probably or fantasy, the

(06:00):
preving goals thing. For example, like when I play in
the band, I wanted my band to get big, and
I wanted it to be able to tour the world and
be able to make money doing that and whatnot. And
then obviously this podcast, I want this podcast to be
huge and this and that. I mean obviously not there.
But I enjoyed it nonetheless. But we do, you know,
we heard I have have good jobs, and we've had
our jobs for a very long time. I've been at
my job for twenty two years, over twenty two years. Actually,

(06:23):
I still still enjoy it. I've always told you guys, don't.
The one part about my job that's still a challenge
for me is the physical part. But there's also things
outside of my out of my control, that could be happening,
like my job right now. There's there's a lot of
things in flux in terms of the future, in terms
of the com see management and if so, also property.

(06:45):
You know that sty they're suposed to get me a
building very soon. But that hasn't happened yet, and there's
a lot of things in the way of that happening,
and that could affect our future and not just my fuature,
but all my wives because she even though as I
told you, she does not work in my job, she
works in that same building, so she also benefits from
there as well too, So there's a lot of effect there.
But we also want more financial freedom too also. That's well,

(07:05):
and that's that's not one of our you know, one
of the things that we're really focusing on financial freedom
and being able to We have so many goals, not
obviously her going to school in War one, that's a
huge goal, but also you know, we wanted to be
able to do things and travel, and there's a lot
of things we want to we want to accomplish personally,
and we need to free up money. We need free

(07:26):
up income and be able to make more money, but
also just the things to also people people I would
like to make a lot of money and they want
to spend more money. My goal is I want to
make more money and spend less money. Actually I want
to keep my money, you know, and and be able
to use the money and use them experiences and take
my kids toti vacations and those things matter to me,
you know, experience the man to me, you know what

(07:47):
I mean. So having financial freedom does that. And I
we're I'm kind of back into my minimalistic you know
framework in like we're actually we have We're not move
for another month, but we reready started packing, were ready
started going through each room, get rid of things, get
rid of certain things. We're downsizing, like we're really downsizing
in a real way. And I told my wife, look,

(08:08):
there's a lot of things here that I'm really a
part with. Now I just want to look. As long
as I have I have the ability to record my podcast,
it's great. See the only thing the only negative is move.
I don't like for me. It's for me and again
it may not be a big deal depending on the space.
So we're recording this podcast Revel right now in this room.
I'm in my my master Metroc closet. But he got

(08:28):
a really big clause. You don't know that, but it's
a really big closet. So I have enough room to
fit all our clothes. Plus I have a studio here
and for eight years this has been my space. My
man cave my way my therapy room and call that.
So I'm going to lose this room after eight years.
You know, I love this room. I love being here.
I recorded this money podcasts here through the years. I'm

(08:51):
doing the show almost fifteen years, and of those years,
I've been in this room, you know. So it's a
hard part for me to do that. But at the
same time, you have to make sacrifices too. Now we
don't know the situation with home a space because obviously
we saw the floor plan for the other place and
the closet space is a little smaller. We can still

(09:14):
make it work, but you have to figure that the
space out and how that works. I think will make
it work obviously, but I think it'll be a little
bit tighter space by the look. As long as we're
able to save money and still be able to do
the things I want to do, like this show, for example,
because I still want to have a space record. You
know that that that's all that matters. And my wife
said she'll try, she'll do it, but she can't help
me out with that. We also discussed the idea because
his one of his one of the positives of moving

(09:35):
also too, we have one car garage right now, we're
gonna be go into a two car garage, so there
is space for the possibility of me finally making my
dream country and actually building a studio in my in
my in my garage if it works out. Now it's
not ideal in Florida because the thing is in Florida.

(09:57):
You know, it gets really hot, and I I don't
know what I can do, Like I get an a
scene there to kind of bounce that out. But there's
a lot of options here on the table. So I'm
looking at all the options here. But we will see
how that planking thing plays out. But like I said,
we'll looking. I'm pretty excit about this move, and I said,
we're getting things done. We're packing things up already early.
We're getting rid of stuff and throwing things we don't

(10:19):
need any more. So we're looking at this move as
a starting fresh moment for us. So looking forward to that.
As you guys know, yesterday Brian day Ball was fired
as New York Giants head coach. He went twenty and
forty in his h and one brother in his four
years a near four years there with the team. I
really told you guys on record, I Am was not

(10:40):
a fan of the firing necessarily, but I understood why
they did it. Like, again, you cannot look his mom line.
You cannot blow four games this year where you've led
ten by ten plus points on to lose them. And
in two of those games you were up big late, okay,
to those games you were up ten plus points late
in the game, okay, like late in the fourth quarter,

(11:02):
like the you know, the Beers game on Sunday, and
of course the Broncos game, the terrible Broncos game which
Shane Bonenes she got fired for, the Depends cordinator got
fired for. I. There's there's a lot of reasons why
I think the Giants did this, because I was saying
all year long that was gonna say Dave Ball's job
was the development of Jackson Dart and it might have.
But Jackson Darts has ready been in curcussion protocol four

(11:24):
times this year. Okay, he's getting hit like crazy because
all these name RPOs are running. He's well, he's got
a slide, He's got to slide. You also have a
situation where I feel like this was actually may have
heard him morenything else that Broncos game that they blew
back in the three weeks ago, whatever how long it was.

(11:47):
He didn't fire. He didn't fire. Sean Bowen did the
depends coordinator. I feel like that did have win that
right there, that didn't win because he stayed the course,
you know, and you know, you just can't do that.
You can't a little four leads like that. So I'm
not a fan of the firing. I understand the firing,
but I did put together a top five list of

(12:08):
candidates that I would like to see posterbly fill a
dead vacancy. I have five guys I'm looking at that
I wouldn't mind seeing them the Giants look into to
fill the vacancy. And I think the thing is toolst
reason why I'm not a fan of firing said, I'm
so sick and tired of teaming coaches over and over again.
Since Tom Coffin, we had what six coaches now, since
Tom Kafflin left the team in two fifteen, we've had

(12:29):
Ben McAdoo. We have none order Ben McAdoo, Pat Shermer,
Joe Judge, Uh you know now, Brian day Ball, we
you know, we had we had a couple of interim
tournaments in between that I'm so sick of it, bro
I'm so sick of the retreads. And please just find
a guy, just stick to the program, and you know,
and that's how I'm hoping. I wanted to see day

(12:50):
Ball through with this one at least one more year
with Jackson Dark because the one thing he did get right,
the one thing that the Giants have gotten right, is
that we have a core reff in the future. Like
we're bad right now, but I know going to next
year twenty twenty six, we got a quarterback being a quarterback.
We got Elie Babies back, we got a lot of
guys back from injury. We got a very good defensive line. Okay,
you know, we shouldn't be this bad. We should not

(13:11):
be this bad. And yet, well, the Giants right now
should have in the neighborhood of five to six wins,
and they lost them because of the fact that they
blue leads. Brian didball. You can't do that, and that's
why you lost your job. Okay, by way, so here
are my five candidates I want the Giants to look
into for this job. Okay, Number five, Bill Belichick. Now

(13:34):
I say that only because the history. There's no shot
I haven't say he shot Bill Belichick. Is the NFL again.
I would have said with Bill Belichick maybe five years ago,
but Belichick he's not, what seventy three years old. I
don't want a distraction, uh, with the with the the girlfriend,
the fiancee, wouldn't call it, Jordan Hudson, whatever her name is.
I don't want the distraction of team necessarily. But at

(13:55):
the same time, you know, he is respected by a lot,
by by the Maras and the in the TI his family,
so I don't necessarily hate the idea of Belgi coming here.
But he's also a little older. That's why I put
him on the bottom of my five. Okay, so that's
five number four Spags. Yes, Steve s Vannel, the current
defensive coordinator for the Cansie Chiefs, who actually did uh

(14:17):
was in from for the Giants, I think for a
couple of weeks. I believe it was after mcado was
the back who's firing that they did? Did that move
me and him? I'm sure one of the two guys. Look,
Spags has history of New York. Of course, he was
the was the coordinator for the Giants back in two
thousand and seven for the Super Bowl title run, Super
Bowl run of course with the Vigo Frahan and and

(14:39):
those boys. So he has good history here with New York.
But uh, Spags being on the guy that I look into,
he's I know he's gonna get get back to the
coaching again as the main guy. Why not take a
chance on that line hunt? Number three Nick saban Now,
I know Nick Sabans has said on record he's done coaching.
I think he's on coaching college. I think I think
Nicks table make consider a return to the NFL. May

(15:03):
consider it. Now we'll see maybe maybe not maybe just
this health things there on a mysterious said he you know,
he said the mystery His wife said that we're done,
We're done, We're out. But who knows thort Ofugh money
at him. We never know what happens there. Okay, Now
these are the two guys I really want to work out.
Number two Lane Kiffin for one reason only Lane Kiffin

(15:24):
and Jackson Dart of course, Dart playing under him at
Ole Miss and Lane Kiffen of course was responsible for that.
So you know that Nix is gonna be great. Okay,
So I know you know right away that Senner Ggen,
those two guys that'll be phenomenal going forward. And Lank Covn.
I'm sure we'll get Alte job offers now pushing huggin
oldmost have been this year. Number one for me though
this is easy. Tamas Stefanski, current clean Browns coach. Now,

(15:47):
the Browns are stupid. So if we're gonna fire him,
they're dumb. Please Browns do the dumb thing getting fire him.
Please please fire him, because the minute that guy is
on the on the market, I want the Giants to
get that guy as a coach. Kemispan Stefanski, I want
him as my head coach for this my team moving forward.
That's my number one candidate. I want to see Giants higher. Okay,

(16:09):
Kevin Spanski sim a five, Bill Belichick on my forests,
bag three, Nick Saban two, Laying Kiffen, and number one
Kevin Stefanski. All right, for the rest of my NFL
Week ten observations. I went three and two on my
picks this week, so you know, it's been a videocare year.
It's been soth year. Like I said, this season is
so crazy, not as unfield but also in gambling. You know,

(16:30):
I had i had a rough start, but then a
couple of weeks so I did really well. I think
I went like five one week and four one und
next week. So I was able to catch up after
starting like like one and eight. This year, I was
able to make up from ground. Now have a winning
record this year. Something I think this year, I'm like
twenty twenty six, twenty four. I think it is. Let
me make sure you record right right now. This year
I am on my best bets of the season. I

(16:54):
am twenty six twenty four is correct on that. So
I hit on the Seattle minus six and a half,
I hit on Detroit minus eight and full the your
last NFE plus one Indy. I lost on minus six.
That was that was the push. And then of course
Tampa I lost on that one I had. I had
Tampa in that game, wing that game, of course. So yeah,
three and two this week my pick. So another winning
week for me. But you know, it's been a tough year.

(17:16):
Is it time too? The Patriots series? Dude, these guys
are good. I mean they got the central win. They
had the first central winning is Buffalo on the road
about a month and so soon ago. Okay, he said,
Oh it's different games happens this seemore, but have been
winning since then. Then you beat Tampa on off a
by okay in Tampa's well too well so in what
I called the Brady Bowl. So the Pats clearly they're

(17:40):
the favorites women in the division. Now they're what two
games up on Buffalo now, But the Tiebreinger I'm still
apprehensive about, you know, when not this is a Super
Bowl team. But I love Mike Rabel. So we talked
about coach leat this year. We talked about Kyle Shanny
and we're talking about Shane Steichen and rightfully so, but
maybe right now Antonique Levin that the coach of the
year right now favorite is Mike Rabel. We shall see

(18:03):
the Colt tryal win win a game in a must
winning games the Colts. I said this, I said, I
said the Muslim games, the Falcons on in Berlin on Sunday,
that a must win, must win game for the for
the Colts. And look, they almost did lose a game,
but they won, and it's good enough for me. Okay,
you win, winners win, and they finally winn to win
the game. So you gotta get a credit for that one. Now, again,
like the Patriots, are they contenders by default? Yes, the

(18:25):
AFC is wide open. Now if Chief puits the playoffs, ye,
this bitch is wide open. Okay, straight up, you know,
I don't trust Buffalo. I just don't trust Buffalo. But again,
they are still win tenders because they have arguably the
best quarterback in football in Josh Allen. But they are
way to depend on Josh Allen. And that was a
disgusting display we saw on Sunday in Miami. What the
hell was that ship? Seriously, triant Panthers had a chance

(18:49):
to convince manny like myself that they were actually playing contenders,
and they failed visibly. How do you lose at home
by ten to the New Orleans Saints? Like you want
to take you guys seriously, and you can't even beat
the worst team in football in the Saints really were
really doing that. That was bad. That was really bad.
So yeah, the characters out out, Okay, Caleb Williams's start

(19:13):
to figure it out, you know, Like and I started
to think about this too. Also in regards to Kail Williams.
If we go back to twenty four draft and just
look at the quarterbacks, Drake May Caleb Williams, Jane Daniels, Corbo, Guys,
would you redraft that order? How would you do draft?
If you already had a redraft, would you drafted in

(19:34):
the same order or not? So Kilbow's number one, of course.
Jane Daniels to Drake May three. Now, Jane Daniels has
hit the bigger peak so far three year and a half.
He actually put the Commanders a game away from Super
Bowl last year. Okay, but we also have seen now
with Jane Daniels that injuries are an issue. He can't
stay healthy. Let's tart to see the people talking about

(19:55):
all this to another RG three situation. Hopefully not, but
you know, we'll sart to see the signs of that.
Kill Williams came the game sluggish, didn't meet the hype.
But this year he's starting to show signs of oh okay,
now we see it now. He's not he's still not
where we thought he'd be a ear two, but he's
starting to figure it out now. And I think Ben
Johnson did a great job with him and in coaching

(20:17):
him up whatnot. So we'll see Drake May now is
the guy that he was okay last year? This year
He's had a phenomenal year. If I'm not mistaken, I
think right now he's the MVP leader now, the odds
leader currently entwe eleven. Okay, so if you ever redraft
those three guys this year, how would you do it?

(20:38):
Like me personally, that's tough. Like Drake May is doing
a lot of good things in New England. That that
that that's I mean, you want to say May right now,
But if I feel like if I say Drake May,
I'm being a little bit prisoner in a moment to
saying that. Because Jane Dallis has had the larger ceiling,
he's reaching steals so far. Okay, kill Williams is starting,

(21:00):
it's starting to gain and Kill was Kil's be honest,
he has I think, to be honest, you of the
three guys still, cal Williams has the larger ceiling because
his ability now, like his ability to move in the
pocket and move around like he's very mahomes like and
last year it was it was chaotic in ways where
he was a mess. Now he's doing the same thing though,
but there's actually more of a purpose now when he scrambles.

(21:22):
So I don't know, I really don't know. Because again
Daniels had a higher ceiling. We saw hit the higher
seelings of the bar, but the only year and a
half in so I don't know. I honestly, I honestly
cannot end that question. How I redraft that. I don't know?
I mean I okay, so this thisk organization nut for
this for a segment. I'll probably still go Jane Dawels

(21:42):
with time being, but I'm very worried about the injuries
now going forward. Okay, I've got Jane Daniels, Drake may
Kylen Williams. But that can this is very fluid. This
can change in two weeks, okay, in two weeks. Well,
last thing to also, Matthew Stafford throw his ass in
the MV discussion. Now, he is phenomenal this year. I think,
if I'm not mistaken, I'm looking at it right now,

(22:05):
Matthew Stafford this year, he might I saw something that's
that way. He has twenty touchdowns, no picks this year.
I don't know if that's true or not. Let me
see Matthew Stafford this year. No, he has two picks
this year. Yeah, right now, this year he has he
has twenty five touchdowns and two two interceptions. Okay, you know,
and again this is a very the NBB race this
year is very fluid. Okay, it's very fluid. Okay. I

(22:29):
would still put John the Tailors a favorite. But we've
seen every week and you guys coming into the conversation
now now at Stafford. For one week was Daniel Jones,
now he's gone, you know, another week it was Drake
May right now, Drake May, it's a favorite. Betting favorit
right now? By I think right now, Jonathan Tayle's free
your favorite now in my opinion. But if you're doing
a top three four discussion year, Matthew Stafford right now

(22:51):
might have to be in a discussion now. He is
ballin and the Rams are dangerous as hell. In fact,
they're one of only three teams I trust right now
in the NFL to win a Super Bowl. So this
is my observations for week number ten in the NFL.
All right, big news in the NBA today, Nico Harrison

(23:12):
manager Nio Harrison fired by the Dallas Mavericks. The decision
comes after a poor start to twenty twenty five to
twenty six NBA season, as the Mavericks are currently three
and eight as of today and a signific amount of
backlash from the fans and scrutiny following the controversial trade
at superstar Luca dodgech to Lakers nine months ago. The
firing is important and ocurred today, of course, or today

(23:34):
this sistant Joel managers Michael Finley and Matt McCarthy are
expected to service coring trum gms while the Mavericks conducted
search for a permanent replacement. Harrison's ten euro, which began
in twent twenty one, reached the NBA Finals in twentyenty four,
was openly defined by wildly criticized tradon Dontice in February
twenty twenty five, I got some opinions on that one.

(23:54):
Give me a second. I got some water here real quick. Okay,
The problem with Nico Harrison, and I'll rehash this one
more time. It wasn't that he traded Luca Dodgers. That
was Yes, it was a bad trade. We all agree
with that it was a bad trade. The issue was

(24:16):
the return that was degregious, getting back only Anthony and
Davis in a first round pick for a top three
some say top two. Somebody you say best player in
basketball is Asonine? It's asonine. Now a big party believes
that Nico Harrison is a fall life of this because

(24:40):
I have a suspicion that ownership did not want to
pay Luca because of concerns about his weight and whatnot.
But of course they put on Nico to make the decision,
you know what I'm saying. So I think that's what
happened here, but it was still addition to Mede my
Nico Harrison, the move looks like collusion, looks like a conspiracy,

(25:03):
a conspiracy that to make the Lakers better, and so
of the optics, you know, and I'm always one that
likes to fight against conspiracy theories. But you can't help,
but wonder you really can't. So you know, I do
think though, when you when you combine the trade, the reaction,

(25:25):
and even though you got Cooper Flag in the draft
number one to pick, who's been pretty mid at best
so far, combine it with also the Lakers scorching right now,
Lucas lost weight, lu Lakers playing for great basketball without
Lebron James in fact, and the Mavericks are ship the

(25:46):
three and eight ads out again injury, surprise, surprise. I
think that owners says that fuck it, we gotta we
gotta get rid of this, get rid of this. Even
though they just share this must blame, if not more
blame than you can Harrison for this decision. Okay, Again,
when I was critical of the trade, I was more
critical of the return they got for Luca. No, not

(26:06):
so much to trade itself. The trade is bad enough, Okay,
I don't care much much shape was in. I understood
why they did it based on the well, we're not
sure to his body and he'd be injury prone, and
you want to pay that got three million. I was like,
I get all that, but to get back less than
what Michael Bridges got, you know, you know the Net's
go Mickel Bridges to the Knicks is ludicrous. That that

(26:29):
is That is offensive any anyways, and you should never
have a job again in the NBA. Okay, that was
the issue was the return. Okay, you got back an
a d now who can barely stay healthy. Now, he's
ready getting hurt right now as is, and your team sucks.
Any team sucks right now, and Cooper flag now out
the gate. Not good Bob, not great Bob. So it

(26:52):
is what it is. I don't know. We will see
Nika Harrison ever in the NBA again, this is this
is something to look if the Lakers win a championship
with with Luca good luck, you need to go in
a in a an interactive office again in the NBA,
because you can't live that down. You cannot live that down.
And plus Luca didn't want to get traded. Luca is

(27:14):
still beloved in Dallas. You can't live that on, buddy,
you know. But I do think the ownership, you know,
group should take more blame for that. Okay, anyway, one
least thing, get out of here. It's been fascinating for
something here. You know. I took at once in a
while to my finances on the podcast and budgeting and whatnot.

(27:36):
So Donald Trump is proposing the creation of a three
year mortgage loan as a measure to address young gooing
housing for ability crisis. Now. The primary goal of this
repretation is to lower more monthly mortgage payments for home
buyers by stretching the loan turn out to longer period.
This will allow more people, especially the first time, first

(27:57):
time in younger buyers, to qualify for a loan or
just a more expensive loan home than they otherwise could
have could have won a traditional thirty year term. The
proposal has generated generated significant debate due to several trade offs.
Low a month of paidoffs course being the main benefit,
significant higher total interest paid or for the years, a

(28:18):
total amount of interest pay on the loan would be
subentially higher, potentially hundreds of thousand dollars more compared to
thirty year mortgage. A large portion of early payments will
go towards interests meeting homeowners will build equity in their
home much more slowly. Experts suggests that the mortgage will
not carry a higher interest rate than three year loans
because lenders will demand a higher premium for trying up

(28:40):
capital for a long period and to account for increased risks. Now,
the Federal Housing Finance Director Bill Poultists confirmed that the
administration is working on developing this long term product as
part of a wider set of solutions for housing affordability.
I have I feel two ways about this personally, Like,

(29:03):
on one hand, yes, that is one way to combat
the high price of homes. I'll be honest with you,
it is gonna sound fucked up here about what I'm
gonna say. Anyway, People at pissed me I don't give
a fuck. I wouldn't mind on the crash because these
homes since COVID, especially two in Florida, are way, way, way,
way overpriced. Okay, you got homes that was selling for

(29:26):
two hundred thousand dollars and twenty eighteen, I'm now selling
for six seve hundred dollars one thousand dollars and then
worked that kind of money. And yes, wages them up
a little bit now in recent years, like we haven't
been wage increases now since twenty eighteen, which is a
good thing. But these homes were expensive, and yes, I agree,

(29:47):
I fit the year alone one would would definitely shrink
your monthly payment. But at the same time, though, I
can't imagine, and look, I'm looking for someone who's buying
a home to make it a forever home. I'm not
gonna ask something you look at an investment to sell
later on. In this kind of stuff, I don't know
how you can justify playing on a mortgage for fifty years.

(30:09):
To look at it this way, say you're a young
young person, you just get married, you're twenty five years old.
You get married, right, you're forever home twenty five years old,
unless unless you can tend them paying off the loan faster,
but there's ways to do that, but you have to
you have to double double payment at some point. You know,
you're not paying off that home until you're a grandparent

(30:31):
and beyond and pass the retirement age. So the idea
in my head is like, yes, I get it. I
know there's different things. Also, you can sell the home
by then and all this stuff. And I just don't
like the idea of locking yourself into a situation where
you're paying more interest now because this honestly benefits more

(30:52):
the bank, the banks and the lenders and whatnot. I
just can't. I can't come to terms idea of fifty
years on a mortgage. Again, most people don't stay at
homes more than what ten years. There's a lot of
movement jobs move isn't that I get all that, but
I mean, this is the only thing you can do now.

(31:12):
My brother and I will talk about this last line
of the phone, and he's in the real estate. He
said that, yeah, but it is not ideal. But this
also was probably a situation and probably the same uh
conversations have been when he went to thirty years. I
think before thirty years was it was fifteen I believe,
and I get all that, but thirty years to get
justify it too though, because thirty years it's still just

(31:34):
let's do two generations. What's what fifty years, dude, fifty years?
You know what I'm saying to me in my head.
I can't. I can't even like quantify that. And then
on top of that, the White House yesterday too said
that they want to look into like extending auto loans
now from six years max to fifteen years max. For

(31:56):
the same thing I was talking about wife FIRS. I
was like, the only I would be okay with that, honestly,
if I'm getting a Toyota, if I'm getting anything it's
made in Japan, I'll Toyota Honda because I've had my
car now for I've had my car eleven years. But
it's a fifteen year old car and it runs a
great still because I trust Toyota's But the idea of

(32:16):
paying a car loan for fifteen fucking years, it's insanity.
Like you can talk me in to a seven to
eight year loan, yeah, but fifteen years all alone. Oh god, no,
oh no, no, no, no, no no, Because by the
time you pay it off. You can go one to
the car anyway, like a house. I can almost justify that,

(32:37):
even though I'm bout a fan that fifty year loan
on a house, I can justify that. A fifteen year
loan on a car, though that depreciates massively the minute,
at least a lot, does not make any sense. But
yet here's the thing, and I'll give the president's credit
for this, though, what else do you do? Like, you
can lower prices, but you gotta force companies do that,

(32:59):
and I don't think they're gonna want to do that.
I don't think any present wants to do that. Like,
I don't know how you curt prices. Only going to
curt prices is to raise wages. This is why I
kept I kept saying for years, you know, like little folks,
don't who are oh minimages to? You know, it shouldn't
be fireteen dollars an hour? Okay? And for years I
had that thought, well, yeah, true, you can shouldn't be
the man ways, shouldn't be three mills an hour? Isn't that?

(33:22):
Until I realized, okay, so what are we doing to
combat the rising costs? Because the guy it's gonna be
a timper sat here to wilso we got you gotta
be able to bounce the acts balance the scales here too, also, okay,
because again, when you have things that cost X amount
of money and things we need from them, I'm not
saying about to about like vacations and things that that

(33:43):
that's that's not that's not a priority. It's what a
car's priority. You need a car. If you live in
the state like Florida, where temptations here is not great,
you know you need a car. You can't survive. Like
in New York. You can get away not having a
car because in the city you get a bus, cabs
and you find but you need to are in in
in Forida like so when you can't afford that, okay,

(34:07):
what are you gonna do? So again you have to
answer the question about how you combat rising costs, and
that's the challenge here. But I'm not a fan of
the fit in your loan and and with cars, I'm not.
I really not, because I think that's a disaster way
to happen. Like the again the home part for the
years of home mortgage loan, I can somewhat just why that,

(34:27):
But I might a fan of either myself. My thing
is personally it sounds it isn't sound way fucked up?
Is I'm conservative here? You can't affordation, habit well line,
you can't afford it, don't get into it, you know
what I mean. We all make decisions as human beings
and as humans as people to get into into loans.
You know, this is why I also have a hard time.

(34:48):
You know, this is why I also have a hard time,
you know, being on the bandwagon for uh still don't forgiveness.
Like again, I'm still open to the conversations people convince
me why, I why it should be a thing. But
if you make a decision to yourself to get into
a loan, you know, and now you want to forgiven,
you do realize that when that happens, it's it's gonna

(35:11):
get paid. Someone's gotta pay that loan, and it is
the role is in the role to taxpayers playing that
loan because I don't trust the garment to do the
right do the right thing. But it isn't gonna it's
not gonna go away. They didn't rule that into higher taxes,
and people like me who didn't go to college gotta
pay that ship. I don't want to pay people's other
people's loans. I'm sorry, don't. Is that something you means? Selfish?

(35:32):
Is this reality? Like I'm only putting money into healthcare,
find find ways putting healthcare, but but into into student
loans for college? Fuck that? And then when got college?
Over right? Anyway? Bro? So this is my my two
cents there, so anyway, that's with me? Oh, I did
forget one more thing? Did you guys see the new

(35:55):
trailer from the new Michael Jackson movie. You haven't checked
out here?

Speaker 5 (36:04):
I know you've been waiting a long time for this.
The tracks are made, the songs are ready. Let's take
it from the top. This is your story, how your

(36:28):
past and embrace the future. That's what people want.

Speaker 2 (36:50):
Can you lure the lights from you?

Speaker 5 (36:51):
Please? Okay, but remember in here keep those feats still
my man?

Speaker 2 (37:10):
All right? It was wenty fourth As you guys know,
I've been uh you guys, I'm a massive fan of Michael,
so this is a big deal for me. But uh
you know, hold on, why is this not working here?
Why why can't the sorry about that? Sorry about that?
I can see my face or second a long time coming?

(37:31):
This trailer movie coming out next year. The rumor is
that we make it. It could be a possibly two parter.
So my understanding, I've heard this for a while now,
is that the first part, if he goes two parts,
this movie ends with the b on the Bad Tour
from nineteen eighty eight eighty nine. Okay, now that's there's

(37:54):
still twenty years of his life to cover, and Part
two would potentially do that if they green light the
part two. The issue is a Part two will have
to go into the other things, the controversies, the allegations
and all that stuff. And part of the reason why
this movie took so long to get done is because

(38:15):
they had to reshoot to reshoot the movie, because the
the idea was to do a three hour movie and
cover all of that in one in one fell Swoop,
but they ran in some legal issues in regarding you know,
you know, a long discoch, the longest cultural agreements and
stuff with the accusers and all this stuff and what

(38:37):
they can and can't say. So they decided to okay,
let's just reshoot the movie, reshoot parts to the movie
and leave that part out for now. Now. If the
movie is received very well, which at this point I
don't see why it wouldn't be the fact that the
trailer already has broken records as the most viewed BIOPI

(39:00):
trailer in history of movies. The interest already is a
strough the roof. I'm seeing Michael many again all over
social media. Okay, this is gonna go. It's gonna be
huge worldwide. Okay, So I don't see why that would
be an issue. Of course, Michael's being played by his nephew, Jafar,

(39:25):
who was also Jermaine Jackson's son too. So like I said,
the movie is Look, here's the bottle line. And I'm
gonna keep it real with you guys. As someone's a
massive fan these this movie isn't for me. This movie.
Movie isn't for the caps. This is what the casuals. Okay,
because I know for a fact when I see this
movie in the same way it was when I saw

(39:47):
Being Rhapsody back in twenty eighteen, I'm gonna nippick the
fuck on this movie because I'm that big a fan. Okay,
but I'm gonna I'm gonna try to enjoy it for
what it is. Yes, it will be sugarcoated, Okay, it
will be sugarcoded Okay, because again this is for the casuals.
But I'm one of my my biggest goal for this movie.

(40:08):
It's I'm hoping this movie will do. It will humanize
Michael in ways that people who don't understand him why
he was what he was, what, why his behavior was,
what he was, why why he said the thing he said,
and all this stuff. Because he was very controversial we're
getting but if you have understanding why he was where

(40:29):
he was, your upbringing or not, it will humanize him more.
That's my goal for this movie ultimately. And we'll see.
The trailer looks really good. I'm very very impressed with
it so far. I will probably see a few times
in theaters most likely, and I'm going to see it.
I'm not going to see it opening night. I'm gonna
try to anyway. My wife wants to go with me.
I told her I want to go alone, but she's like, not,

(40:51):
let me get myself. So whatever. Probably I probably a
mess watching the movie because I expect to be a
tear jerker. I mean, I have friends of mine who
notion fans Michael, who told me it's gonna it's gonna
be a your or so if you're saying that that
means a fan who's asking more invested, of course, I
mean we more, you know, react in a certain way,
so it should be an exciting time. That's that.

Speaker 1 (41:12):
That is it.

Speaker 2 (41:13):
That is that's a trailer, but it's not really a trailer.
That's a teaser. The rumor is that there's gonna be
a full blown trailer coming out in a few weeks
during the release of Wicked two, which I may go
see with my wife just to see the trailer, but
I want to maik At two also as well, so
we'll see that goes. But to be a exciting time.

(41:33):
She will be a can away for it to see it.
Next year the Break Aloud Records, my question is gonna
be do we get It Part two? And if so,
do they finally take the chances and step into the
uh the situation of addressing the allegations and the scandals
and all that stuff. We'll see, but anyway, that's for me.
On the podcast dated eleven eleven, twenty five, I'm one

(41:55):
x at e J seven podcast because all podcasts catchers
especial on YouTube at Arnstrey pod and YouTube TikTok at
TikTok Erny pod as well too. Until the next episode,
We will talk to You Soon is actually one of
longer episode done in a while solo episode anyway, so
we'll talk soon. Let you guys take care and see
it
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