The Charlie Kirk Show - 50-Year Mortgages: Good Idea, or Bad Idea?

00:00:03.000 My name is Charlie Kirk.

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00:01:09.000 All right, welcome to the Charlie Kirk Show.

00:01:12.000 Happy Monday to you all.

00:01:14.000 I'm Andrew Colvett, executive producer of this fine show.

00:01:18.000 Joined by Blake Neff, another producer on this fine show.

00:01:21.000 And that's the secret weapon.

00:01:24.000 I saw you wondering if I was going to say it.

00:01:26.000 I couldn't help it.

00:01:27.000 Lots of news this morning.

00:01:29.000 We are now at the precipice of ending a one of, I guess it's the longest shutdown in American history of our government.

00:01:40.000 And the Dems are in the middle of a crash out.

00:01:42.000 They are, the progressive wing, at least, of the party is freaking out.

00:01:46.000 They think that they're being sold out by Chuck Schumer and the establishment moderate wing.

00:01:52.000 And I think there's actually, it's a bit more of a mixed bag than that, if we're being honest.

00:01:57.000 We got Mark Wayne Mullen, Senator Mark Wayne Mullen from the great state of Oklahoma joining us momentarily to discuss the finer points, the negotiation, what's going on behind the scenes inside baseball.

00:02:09.000 So we're going to get to that in probably about halfway through the aisle.

00:02:13.000 We're going to go in depth on the shutdown, where we're at now.

00:02:17.000 Before the news broke last night, however, about this shutdown potentially coming to an end, and we'll say potentially because the base energy from the Democrat Party is raging against the Angus Kings of the world and the Tim Kaines.

00:02:32.000 Dick Durbin actually broke ranks.

00:02:34.000 Fetterman, not a surprise there.

00:02:35.000 Cortez Masto, Jackie Rosen from Nevada, both those senators.

00:02:39.000 But the base energy is raging against them.

00:02:41.000 So I think it's a tenuous hold.

00:02:43.000 I'm not going to spike any footballs just yet, but it does seem that it's going to happen.

00:02:48.000 So in the meantime, before that happened, what everybody was talking about, Blake, was this 50-year mortgage idea.

00:02:54.000 And why that hit very close to home is housing was something Charlie talked a lot about.

00:02:59.000 Gen Z getting skin in the game, you know, buying into the American dream, not becoming a bunch of raging socialists.

00:03:06.000 And we see homeownership as a very key component of the American dream of getting into the economic ladder.

00:03:13.000 So this 50-year mortgage idea hits.

00:03:15.000 It really was going to be the lead story unless the government shutdown news broke last night.

00:03:21.000 And why this is key is because it's reeking of debt slavery to a lot of people.

00:03:26.000 We should set this up and what Trump said about this.

00:03:29.000 Well, let's set it up.

00:03:30.000 Let's set it up.

00:03:32.000 So basically, just so you know, we've been talking about this independently.

00:03:35.000 I think it's been getting into the ether, this Gen Z economic moonshot. 1.00

00:03:39.000 How do we get Gen Z to buy into the American Dream? 0.99

00:03:42.000 Was one of Charlie's biggest messaging components in the last couple months of his life.

00:03:49.000 And then, Blake, go ahead and tell us.

00:03:50.000 So Trump.

00:03:51.000 So do we have?

00:03:52.000 Sorry if we don't have this because I'm dropping it on the show team right away.

00:03:55.000 If we have that, because this, I think this basically started with Trump just posting this on Truth, where it might have been, I'm not sure what generated this, but it was great American Presidents, and it showed 30-year mortgage, President Rose FDR, because that, I don't know if he invented it, but it was like standardized under a lot of his New Deal programs.

00:04:13.000 Yep, there we have it there.

00:04:14.000 And then it has 50-year mortgage, President Trump.

00:04:18.000 And so, and then that same day on Saturday, this is when it happened.

00:04:22.000 The admin confirmed, yeah, the FH FA director, Bill Pulte, kind of said, We're working on this and other big changes to mortgages.

00:04:31.000 And yeah, it created a lot of reaction because the 30-year mortgage, as it currently is, is you pay, well, you pay for your house for 30 years.

00:04:41.000 So let's say you bought it when you were 25 or 30.

00:04:43.000 You're probably fully paying it off around the time that you're reaching your late middle age, your early retirement period.

00:04:50.000 50-year mortgage, as you said, it makes you raise an eyebrow a bit because, like, let's say you're a 35-year-old, you know, kind of millennial and you don't own a house yet.

00:05:00.000 You maybe finally got married, you finally had a kid, you want to buy a home.

00:05:03.000 A 50-year mortgage, that goes from you are paying this off around the time you retire to you will likely not pay this off before you die.

00:05:11.000 So, yeah, if you do the math here, so a medium home price in America is $500,000.

00:05:17.000 I'm going to use round terms.

00:05:18.000 It's just to say it's approximately $500,000.

00:05:21.000 If you, at the prevailing interest rates of about 6% right now, if you have a $500,000 home and a 30-year mortgage, you're going to pay about $1.5 million more in interest over those 30 years.

00:05:34.000 So, a $500,000 home is actually a million-dollar home.

00:05:38.000 If you add 20 years to the mortgage, so it becomes a 50-year home.

00:05:42.000 It triples it, correct?

00:05:43.000 Well, a $500,000 home then will cost you more than $1.5 million over the price over the time of the interest.

00:05:51.000 So, even though it's 20 more years, it doubles it.

00:05:54.000 So, the interest, the way that they calculate interest, yeah, it more than doubles it.

00:05:59.000 So, you're essentially tripling the cost that you would have to pay as opposed to paying cash up for the money.

00:06:05.000 Now, I should caveat that it is over 20 years, which if you have an interest spike, which we've had a big interest spike the last five years, that can, if you're in at like a lower interest rate, that can radically reduce the effective amount that you are paying.

00:06:19.000 So, it's double the amount of interest, but you can kind of bake in that there will be continued inflation in the U.S. currency over that time span.

00:06:26.000 Yeah, so here's my basic point, and I want to put this up.

00:06:29.000 This is from Bill Pulte.

00:06:30.000 You mentioned him before, image 92.

00:06:34.000 I think the admin got the message pretty quickly that this was not the type of solution that we were looking for.

00:06:40.000 Now, my glass is a little half full on this, and I'll explain in just a second.

00:06:44.000 He says, We hear you, we are laser-focused on ensuring the American dream for young people, all caps, and that can only happen on the economic level of home buying.

00:06:51.000 A 50-year mortgage is simply a potential weapon in a wide arsenal of solutions that we're developing right away.

00:06:57.000 Stay tuned.

00:06:59.000 So, I want everybody that was blackpilling on this, you know, because there is this growing sense that a lot of this economic populism is phony.

00:07:08.000 It's fake.

00:07:10.000 It's a paper tiger.

00:07:11.000 It's a PR.

00:07:12.000 It's an optics thing.

00:07:13.000 Where's the actual conservative, economic, populist idea, right?

00:07:17.000 So, but to this point, you know, I was talking with some very well-known conservative influencers over the, and thought leaders really over the weekend.

00:07:26.000 And one of them's really into business, got a lot of businesses, got a lot of, he understands the way, you know, to leverage interest, to leverage debt, all these things.

00:07:35.000 And his point was like, listen, man, if I could have got a 50-year mortgage at 3% interest rates, and I could have got much more house for my money, I would have taken that any day, wait till my income shot up a little bit, refinance to it back to a 30, and then I'm locked in.

00:07:50.000 And I will say that, you know, potentially this addresses, like, let's say 5% of the problems.

00:07:55.000 Hopeful, you know, it's an idea out there.

00:07:56.000 It's probably not what I would have led with.

00:07:59.000 Exactly.

00:07:59.000 I mean, that's the key.

00:08:00.000 That's the key.

00:08:02.000 Yeah, if it's an option that is better than a 30-year for you, you should take it.

00:08:05.000 But that is, I don't think we can say, oh, we rolled out a new type of mortgage where you won't pay it off till you die and say that that is the ideal thing.

00:08:13.000 And this is an issue, as we mentioned, Charlie was very passionate about it.

00:08:16.000 So let's loop in one of Charlie's clips on this and let's get why this is important.

00:08:21.000 This is Charlie explaining why not owning creates so much political radicalism in America.

00:08:26.000 Clip 49.

00:08:27.000 If you have a generation that does not own stuff, then all of a sudden political radicalization starts to seep in.

00:08:35.000 I have a question for all of you in the audience, and this should hammer at home.

00:08:38.000 It's from my friend Frank Turek, and I told him as soon as he said it, I said, I'm going to steal this one, Frank.

00:08:43.000 When was the last time you washed a rental car?

00:08:46.000 When you rent a car from Hertz or from Avis, do you wash it?

00:08:49.000 Do you go get the oil checked on that rental car?

00:08:52.000 Of course not.

00:08:53.000 It's not yours, and you know it. 0.68

00:08:55.000 You're borrowing it.

00:08:57.000 And it's no different than how people are living in apartments endlessly until they're 32, 33.

00:09:02.000 They have two kids and they have to rent because the access to the housing market is so impossible.

00:09:08.000 You have an entire population generation that is on the outside looking in.

00:09:12.000 And that is a prerequisite for a political revolution if we don't turn renters into owners.

00:09:17.000 One more clip, and then we'll go to ads and we'll ask for emails. 0.99

00:09:20.000 Let's do 52.

00:09:22.000 It's the first time since George Washington that this generation has it worse off than their parents at the same age.

00:09:28.000 It has not happened, not even during the Great Depression.

00:09:30.000 It's about the same.

00:09:32.000 This generation is significantly worse off.

00:09:36.000 And the problem, this is what no one mentions.

00:09:39.000 We're not poor.

00:09:41.000 You would think that the country's gone through like an economic tailspin the last 15 years.

00:09:46.000 Like, okay, your young people can't afford homes and they're putting groceries on credit and they're killing themselves and they're socially isolated and they're addicted to benzodiazepines and Zolof.

00:09:54.000 It's obvious you guys went through like a terrible economic catastrophe.

00:09:57.000 Like you lost the war.

00:09:58.000 Yeah.

00:09:59.000 If you look at the economic conditions, you would think the other conditions surrounding it are like abject poverty.

00:10:04.000 These are the problems that like third world nations have. 1.00

00:10:07.000 I know.

00:10:07.000 Our young people can't afford stuff and they have to finance their basic necessities.

00:10:11.000 And yet we're the wealthiest nation in the history of the world on the planet.

00:10:15.000 Yeah, this is people in the audience.

00:10:18.000 This is the key issue of our time.

00:10:20.000 This is the, what's giving rise to Mamdaniism and Maggioneism. 1.00

00:10:25.000 We must address it.

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00:11:31.000 Let's read some of these emails on the 50-year mortgage.

00:11:33.000 Yeah, yeah.

00:11:34.000 So email us at freedom at Charlie Kirk.

00:11:36.000 And also, tell us if you are a Zoomer or a boomer.

00:11:39.000 There's only only two generations anymore.

00:11:41.000 Or a millennial or whatever, whatever.

00:11:42.000 It'd be interesting.

00:11:43.000 Zoomer or boomer.

00:11:44.000 I'd like to see different generational takes on this, if possible.

00:11:47.000 But we had Linda said on a 50-year, you would actually just be renting your home.

00:11:53.000 No, technically, not true, of course.

00:11:55.000 You would very slowly be building equity in it, but I think that sentiment that at 50 years, you are really, it will feel like you are renting because you never kind of really get to anticipate the actual experience.

00:12:10.000 I want to react to that just really quick, really quick.

00:12:12.000 So, yes, it does have, and we admitted this.

00:12:15.000 We conceded this point actually before the break or before the show, Blake and I were talking about this.

00:12:20.000 That, yeah, it does it does reek of debt slavery.

00:12:22.000 But let me tell you this: if you have rented a property and every year the landlord increases your rent, then locking into a 50-year mortgage, if it's fixed, at least you would have the stability to know what your payment's going to be, right?

00:12:36.000 So, that's just one pushback to that.

00:12:38.000 Potentially, but it's still, I very much understand where that one's coming from.

00:12:42.000 I do too.

00:12:42.000 Then, we have, and I guess, you know, yeah, if it's fixed, you know, it just does gradually go down with inflation.

00:12:47.000 Uh, then we have uh Michelle said, I thought y'all were smarter.

00:12:51.000 No one says you have to take a 50-year mortgage, it's just an option, just like a 15-year mortgage at 25 years old.

00:12:57.000 That just like I did with a 15-year mortgage at 25 years old, balloon payment, and guess what?

00:13:03.000 I paid it off.

00:13:04.000 I understand that, but at the same time, like, yes, it's just an option, but I think people can sense that it's sort of the oh, the option everyone used to have has gotten worse.

00:13:17.000 So, here's this option that might be better, but it's sort of just perpetuating a system that's in decline. 0.99

00:13:22.000 It's sort of like if you know, if suddenly you're getting kicked in the nuts and they're like, oh, well, we can kick you in the shins instead. 0.99

00:13:29.000 That'll hurt less. 0.93

00:13:30.000 So, what it does, optically, I think it does send the signal: like, hey, we understand nobody can afford this.

00:13:35.000 So, instead of making things more affordable or addressing underlying affordability issues, we're just going to make it so that you could pay the debt off loans.

00:13:42.000 Yes, exactly.

00:13:44.000 And that feels really disingenuous when you actually realize there's a structural supply and demand problem.

00:13:49.000 We're letting in 1.2 million foreigners into this country every year when Americans can't even buy their own homes.

00:13:55.000 So, like, you know, there is a social compact is breaking down.

00:13:59.000 We can all feel it.

00:14:00.000 So, let's address that.

00:14:01.000 But, no, we're just going to.

00:14:01.000 And then we have Patricia, and she says, it's bad as far as accumulated interest payments, but how many people actually keep their original 30-year mortgage?

00:14:10.000 I actually don't know.

00:14:10.000 That'd be an interesting stat.

00:14:11.000 How many finance?

00:14:12.000 Break, you should grab that graphic of the price of homes over the years.

00:14:15.000 Yeah, I'll grab that in a sec here.

00:14:17.000 Yeah, and she just points out: I think people generally refinance or sell their houses and obtain new mortgages.

00:14:23.000 So, the interest rate for a full 30-year mortgage is not necessarily relevant in the long term.

00:14:28.000 People are always trading up or refinancing.

00:14:31.000 Also, interest is tax-deductible.

00:14:33.000 That is true.

00:14:34.000 One thing I would flag as an issue potentially, you know, how amortization works on amortization.

00:14:40.000 Yeah, I can't pronounce it right.

00:14:42.000 But, uh, and what that means is early on, you're paying a lot more in interest than you are in principle.

00:14:49.000 Yeah, and so you aren't racking up that much equity in the early years, even of a 30-year mortgage.

00:14:54.000 With a 50-year, I have to imagine that's really bad, where at 10 years in, you don't have 20% of the house, you might have 10% of the house or something.

00:15:03.000 Yeah, less.

00:15:04.000 Yeah.

00:15:05.000 And so, I think that would be a concern with the ability to sell it off.

00:15:08.000 Like, you'll have surprisingly little equity on that 50-year mortgage.

00:15:12.000 Let me get that chart.

00:15:13.000 Yeah, so, so, let me, let me, who was the one that talked about how whoever that caller was or emailer that said you usually end up rolling over or you refinance, you sell the home.

00:15:24.000 That is the argument in favor of this, right?

00:15:26.000 So, the argument in favor is that at least you're getting owners.

00:15:30.000 So, it does address part of the problem.

00:15:33.000 I do not think it should be the end-all-be-all.

00:15:36.000 This is not a silver bullet, but it does address part of the problem because if you are a 30-year-old and you're buying a home on a 50-year mortgage, at least you're getting that sense of ownership.

00:15:47.000 Probably are going to end up trading up or selling that home or using the equity that you build into it, or that it just accrues, because you build equity as the asset appreciates, and then you would use that to leverage other home purchases in the future.

00:16:00.000 Right okay, so so I agree with that.

00:16:02.000 I think it's important, but what we need to also be doing this is why I highlighted the Bill Pulte tweet is that you know what and this is what Charlie advocated for this is people like Benny Johnson are working on right now is we need we have a supply and demand problem issue as well, where we need to buy more or build more homes.

00:16:20.000 We need to build a lot of them, and we need to make that easier for first-time home buyers to be prioritized.

00:16:25.000 No foreign buyers, no institutional money.

00:16:27.000 No, you know Blackstones or private equity groups buying up massive swaths of the inventory, and so that's.

00:16:34.000 That's key.

00:16:35.000 But also, I think we should get creative about, hey do, do young people under the age of 35?

00:16:40.000 Do they get to write off fifty thousand dollars?

00:16:42.000 Do they get to write off their entire mortgage altogether?

00:16:45.000 These are questions.

00:16:45.000 Yeah, go ahead and read some of that.

00:16:47.000 We just yeah for you, Charlie Kirk.

00:16:48.000 We asked people and we got a ton.

00:16:50.000 I I love it when people get really into a topic uh, and so i'm just gonna click on a few random ones here.

00:16:55.000 How about we look at? 0.97

00:16:56.000 Uh, let's look at Jill.

00:16:59.000 She says I just wanted to throw out that most people I know who are retirement age still have a mortgage because they have upgraded.

00:17:08.000 You know I, I want to.

00:17:09.000 What i'll say to that is, that's true and what?

00:17:11.000 There's a fascinating chart I saw over the weekend, which was the median age of a home buyer in America.

00:17:16.000 Not first time, just median any purchase of a home, and it was about 39 years old 20 years ago and it is about 59 years old today, which exact same people are buying home.

00:17:28.000 So so 39 year olds are now 59 year olds and that they have basically over 20 years.

00:17:33.000 That's the median.

00:17:34.000 No, that's not a linear growth.

00:17:35.000 What it really was is it grew a little bit about 2008 to 2019 and especially since covet, we saw a really bad inflationary spike.

00:17:43.000 Did you find that graph, by the way, that?

00:17:45.000 Oh yeah, let's also.

00:17:46.000 Let's put up the real let's.

00:17:48.000 Should we do you want the real price of homes?

00:17:50.000 Yeah, let's put up the real home prices chart that we just sent.

00:17:52.000 That's uh yeah, 94.

00:17:53.000 So you can see there how the process has gotten wacky over time.

00:17:57.000 And that's 1890 to 2023.

00:17:59.000 That's real home prices.

00:18:01.000 So that's after inflation and what you can see there is from about World War Ii to the 80s, home prices are actually about flat.

00:18:11.000 So they were not this perpetual growth asset.

00:18:14.000 Yeah, you know, you didn't.

00:18:16.000 I think one thing that's led us astray is you have that arc of rise and crash and then even sharper rise that kicks off in the 80s.

00:18:23.000 And what that also built in is it kind of built in the expectation your home should be this great investment vehicle that will accrue all of this value and that matters a lot to existing homers, that matters a lot to older homeowners, where that might be their chief asset, and yet that's also making it so inaccessible for young people.

00:18:41.000 Well, and that I just can't escape the feeling that's a disastrous pattern to have.

00:18:45.000 Well, and so that first spike on the right there, and then you see the, the 2008 crisis, where it dropped way back down.

00:18:52.000 That first spike was they were getting very creative right where you didn't even have to prove your income levels.

00:18:58.000 They were doing.

00:18:58.000 They were doing seven-year arms.

00:18:59.000 They're getting creative again, though.

00:19:01.000 Seven-year arms, ten-year arms, which is adjustable rate mortgages.

00:19:05.000 And then, you know, when those arms came due, when they locked in or when they had a locked-in for a short period of time, and then the interest rate adjusted back, or people just simply couldn't make non-interest-only loans, right?

00:19:22.000 So, so that's what that's what those a lot of people were doing that, and they were having to prove their income, and then they were levering house after house after house on interest-only loans, and then you had the big kerplop, right?

00:19:34.000 You had the big short.

00:19:35.000 So, so that was that, but then they were supposed to make reforms leading to that second spike on the right where you had to actually prove your income, right?

00:19:43.000 And you're saying you're suggesting that it's getting too creative again.

00:19:47.000 I've just seen stuff where like the no money down mortgages have like come back again, where that was really vilified.

00:19:53.000 After I want to read a couple more emails here, just uh, uh, Joy pointed out, uh, citing consumer reports, apparently the average length of home ownership, I guess the time you're in a specific home, doubled in 2006.

00:20:05.000 It was only six and a half years, and it went up to, it's gone up to 11.9 years.

00:20:09.000 I wonder how if those numbers might fluctuate a bit, but that would also be interesting.

00:20:14.000 I think that would capture the sense that a lot of people they feel a little trapped in their homes because maybe their mortgage, especially now, their mortgage is so good if they got it during the low interest rates era.

00:20:24.000 So, it's like it's also the price of the next home that you're going to try and buy is extraordinarily expensive and the interest rates are higher, especially the interest rates.

00:20:33.000 It's that you get almost trapped in a good mortgage.

00:20:35.000 Yep, and that's that's happening in markets all over the place.

00:20:39.000 But some people are very excited about this.

00:20:41.000 I want a millennial here.

00:20:41.000 Let's see.

00:20:42.000 We got Sarah is a millennial who bought her first house at 33 in 22. 1.00

00:20:47.000 We're in Houston, where the property taxes are stupid. 0.98

00:20:50.000 She says, I'm all for a 50-year mortgage if there are strict requirements. 0.99

00:20:54.000 Must be a first-time homeowner, cannot be an investment company.

00:20:57.000 The owner cannot use the home as an investment property.

00:21:00.000 A 50-year mortgage is actually extremely appealing, but you're also a slave to the lender for 20 plus more years than a 30-year market.

00:21:06.000 Well, think about this: if you're 40, which is the average first-time homebuyer in this country, is now 40, and you get a 50-year mortgage, you're probably not going to live to see the end of that mortgage unless you refinance, unless you, you know, you can do other things.

00:21:21.000 But to her point, I actually kind of like that.

00:21:23.000 If you only make it available to first-time homebuyers, that's not bad.

00:21:27.000 This really good one here.

00:21:28.000 Doesn't this sound like what communists need for billboards at election time?

00:21:31.000 This is from Robert.

00:21:31.000 He says, The feds and states possess unlimited amounts of prime real estate.

00:21:35.000 We know Charlie cared about that.

00:21:36.000 And he says, There is growing tech to build homes on a large scale and assemble on site in less than a day.

00:21:41.000 It's like 30 million.

00:21:41.000 I've seen some of this.

00:21:42.000 Pretty less than a day.

00:21:43.000 And he says, We modernize everything else.

00:21:45.000 Why are we treating housing like it belongs in a museum?

00:21:48.000 Food for thought, Rob.

00:21:52.000 Even with a ceasefire now in place, the people of Israel continue to pray for healing from the deep wounds of terrorism and war, pain that touches each and every person in the Holy Land.

00:22:02.000 But the journey to healing and restoration has only just begun, and it's far from over, sadly.

00:22:07.000 Never has the bridge between Christians and Jews been tested as it has since October 7th.

00:22:12.000 But after two years of prayer and tangible acts of love, that bridge stands stronger than ever before.

00:22:17.000 God is miraculously fulfilling his plan to unite Christians and Jews for his divine purpose.

00:22:23.000 These are prophetic times, and together with the International Fellowship of Christians and Jews, we can take part.

00:22:28.000 United, we can do the holy work of providing food for the hungry, care for the elderly, and healing for the wounded.

00:22:35.000 Your prayers and your support help restore hope and strength throughout Israel.

00:22:39.000 Let us answer this call together and be a light in the darkness.

00:22:42.000 To learn more, visit if that's if IFCJ.org.

00:22:52.000 We are joined by Senator Mark Wayne Mullen, Senator from the great state of Oklahoma.

00:22:56.000 Senator, welcome back to the show.

00:22:58.000 Thanks, brother.

00:22:58.000 Thanks for having me.

00:22:59.000 Yeah, absolutely.

00:23:00.000 Wurp, thank you for making the time.

00:23:01.000 I know you guys are in the middle of it in the Senate.

00:23:04.000 The negotiations are ongoing.

00:23:06.000 We had that big vote last night where it was a procedural vote, a test vote to see if we could get to 60 and get to closure.

00:23:14.000 Where are we at now?

00:23:15.000 Jackie Rosen was that 60th vote.

00:23:17.000 Well, Cornyn ended up being the 60th vote after a little bit of a flight delay, I'm told.

00:23:21.000 Where are we at now, Senator?

00:23:23.000 So let me explain the process.

00:23:25.000 Last night, we had a motion to proceed to get on the bill, which invoked 30 hours of debate.

00:23:31.000 Once we finish that 30 hours, which by the way, the House can, or the Democrats can give back that time anytime they want to.

00:23:39.000 Once they give back the time or the clock expires, we have to have a motion to amend the House CR because we're changing the date from November 21st to December to January 30th.

00:23:52.000 And then we're taking out three CR bills because we CR'd all 12, CR continuing resolution on all 12 bills.

00:23:59.000 We're replacing them with three of Trump priority bills, which is MILCON, Military, Ag, and Ledge.

00:24:07.000 And so we're going to CR three bills, put in three funding bills for President Trump.

00:24:11.000 And then once we do the amendment, we have another 30-hour debate, which could technically take us into Wednesday.

00:24:20.000 I think they will yield back all their time, and we'll wrap it up tonight.

00:24:24.000 The House will have to come back and vote on it probably sometime on Wednesday, and we'll reopen the government.

00:24:29.000 So break down the basics of the deal, Senator.

00:24:33.000 So I know RIFs were involved.

00:24:35.000 I know a guarantee vote on the ACA subsidies.

00:24:41.000 Who's getting what in this exchange in this bar?

00:24:44.000 Well, there really wasn't a deal that we struck.

00:24:47.000 What we offered them was a guaranteed vote on ACA, but we offered them, which is affordable health care, which is unaffordable.

00:24:54.000 We can break that down anytime we want to, Andrew.

00:24:57.000 But what we offered, we offered them a guaranteed vote, not an outcome, just a vote, back in October 16th.

00:25:04.000 So we could have opened the government weeks ago.

00:25:06.000 The RIF was really the White House.

00:25:08.000 We didn't offer that.

00:25:11.000 What happened with the RIF, which these are all the employees that were fired since October 1st.

00:25:16.000 So basically since the shutdown, President Trump and the White House offered Tim Kaine to put these people back on payroll, but only until January 30th.

00:25:27.000 So that doesn't mean they can't be refired.

00:25:30.000 That just means they're going to get their back pay and then make it through the holidays.

00:25:34.000 And then they can still be deemed unessential and let go and shrink the size of government, which will probably be what happens.

00:25:40.000 So yeah, I was going to say, so what happens at January 30th?

00:25:45.000 Is it an automatic go back to what Russ Vogt and others had accomplished with these RIFs, which are reductions in force, just in case the audience is wondering what RIFs are.

00:25:55.000 That's culling the herd of the federal bureaucracy.

00:26:00.000 So what happens on January 30th?

00:26:02.000 Well, January 30th, we could find ourselves right back in the same boat we are right now.

00:26:07.000 But what we're trying to do is do four more appropriation bills.

00:26:10.000 So that'll put us to seven total appropriation bills.

00:26:14.000 Remember, because as long as we do a CR, a continuing resolution, we're actually still working underneath Trump policy or not Trump policy, Biden policy priorities and funding levels.

00:26:24.000 What we want to do is get away from that as much as possible and work with underneath Trump's policy and his appropriation levels, which is significantly less than what the Biden administration was.

00:26:36.000 So January 30th, we're going to try to do four more appropriation bills.

00:26:39.000 That'll give us a total of seven appropriation bills.

00:26:42.000 Because of the size of those seven, it's about 87% of the government funding.

00:26:47.000 And then we'll probably go ahead and CR continuing resolution the rest of it all the way.

00:26:54.000 Our plan is to get it instead of it running out October 1st, we're going to try to push it until December so we can get it past the midterm so the Democrats can't use it as a leverage point once again in October 1st.

00:27:08.000 Okay, so so it looks like we're going to have probably a deal, although I just saw a clip come by.

00:27:14.000 I think we're trying to cut it right now.

00:27:16.000 Hakeem Jeffries is vowing to keep the fight going in the House.

00:27:20.000 I'm not sure what his options are there.

00:27:22.000 Yeah, that's exactly how he doesn't have the votes.

00:27:25.000 Yeah, well, I mean, we could play the clip here.

00:27:30.000 It's loaded.

00:27:30.000 Okay, we'll play it.

00:27:31.000 I haven't seen it yet, Senator Whip will play it.

00:27:34.000 99.

00:27:34.000 And so as House Democrats, we know we're on the right side of this fight, the right side of the American people.

00:27:41.000 And we're not going to support a partisan Republican spending bill that continues to gut the health care of the American people.

00:27:53.000 And we're going to continue the fight to extend the Affordable Care Act tax credits.

00:28:00.000 And if it doesn't happen this week, next week, this month, next month, then it's the fault of Donald Trump, House, and Senate Republicans who continue to make life more expensive for the American people.

00:28:17.000 All right.

00:28:18.000 So I have like a thousand.

00:28:19.000 I have a thousand issues.

00:28:20.000 There's so much to unpack there.

00:28:22.000 Yeah, there's so go, Senator, you're the guest.

00:28:24.000 Go ahead and do it.

00:28:25.000 Okay.

00:28:26.000 First of all, he called it affordable health care.

00:28:28.000 Affordable health care is absolutely a joke.

00:28:30.000 President Obama promised that health care premiums are going to go down 25%.

00:28:33.000 They're up 221%.

00:28:35.000 All the premium tax credit did was trying to extend an increase that the health insurance company said they were going to have to increase premiums during COVID.

00:28:45.000 The Democrats voted unanimously.

00:28:47.000 Not one single Republican voted for this in 21.

00:28:50.000 Democrats did it completely by themselves because Nancy Pelosi was Speaker.

00:28:54.000 Chuck Schumer was leader in the Senate and Biden was in the White House.

00:28:58.000 They purposely made it expire in four years.

00:29:01.000 So they could have made it permanent if they wanted to.

00:29:04.000 For them to say that Republicans own the high cost of affordable health care, it's completely unaffordable.

00:29:09.000 They know it's a mess.

00:29:10.000 It's a complete talking point.

00:29:12.000 He wants to talk about they're not going to support these funding bills.

00:29:16.000 Well, what about the military?

00:29:17.000 See, a lot of his members have military bases in their districts, which, by the way, also have federal employees, federal contractors that work there too, and not just to mention the men and women that are serving the great nation.

00:29:31.000 He's not going to be able to hold his team together.

00:29:34.000 But really, what's happening here is Hakeem Jeffries wants to run for president in 2028.

00:29:40.000 And the guy knows that he has an opportunity here.

00:29:43.000 So his base demands him to do this.

00:29:45.000 But the guy's in a mess because why he went out and endorsed a communist Madami as New York mayor. 0.55

00:29:52.000 It's absurd when you hear how weak the leadership is.

00:29:55.000 What's so weak about this is Chuck Schumer is the weakest leader we got, period.

00:30:00.000 And his party broke from him.

00:30:02.000 Hakeem Jeffries' party is going to break from him too.

00:30:05.000 And that's just going to show you how big of a mess this Democrat Party is.

00:30:08.000 Well, so let's get into it.

00:30:10.000 I'm going to play two clips.

00:30:11.000 They're really short ones here, Senator.

00:30:14.000 So you talked about Chuck Schumer being weak.

00:30:16.000 I think you were absolutely spot on.

00:30:18.000 The left, the progressive wing of the party is raging against Schumer.

00:30:22.000 Even though Schumer was a no on reaching cloture, he's the left is blaming him for failing to control his people in the Senate, his caucus.

00:30:32.000 87.

00:30:33.000 I think Chuck Schumer, his days are over.

00:30:36.000 If he cannot put that, if he cannot keep his pockets together, if he cannot keep his pockets together, he needs to go.

00:30:42.000 He needs to be completely all right.

00:30:44.000 So the view is now, hey, Chuck Schumer's out.

00:30:47.000 We want AOC or whatever the heck they're going to say next.

00:30:50.000 But then listen to Morning Joe here, Senator.

00:30:53.000 He's basically saying, like, this was a success, actually, even though, you know, this thing is about to go and we're about to reopen the government without getting all the things we want on the ACA subsidies.

00:31:05.000 But it was a success because guess what?

00:31:07.000 Nobody's talking about crime anymore.

00:31:08.000 PlayCut 86.

00:31:10.000 The Democrats is they took crime off the front page of every newspaper.

00:31:16.000 That was the story, and they turned it into health care.

00:31:20.000 So you get these two competing visions of what or opinions of what has just taken place with this, this, the record-longest government shutdown in our history.

00:31:30.000 And so was this all a game of optics?

00:31:34.000 Because at the end of the day, nobody was going to have the votes.

00:31:36.000 If you're the Democrats, they weren't going to have the votes to win this game of chicken.

00:31:41.000 It was a political game of chicken, all for optics, all for nothing.

00:31:44.000 They knew they weren't going to get the ACA subsidies.

00:31:47.000 So what's the takeaway here?

00:31:51.000 What did we just put the country through and for what?

00:31:53.000 It was all about politics for them.

00:31:55.000 The Republicans were trying to use policy.

00:31:57.000 We're trying to have sound policy moving forward.

00:31:59.000 Politics was all the Democrats were doing here.

00:32:01.000 This was never about the $1.4 trillion for illegals.

00:32:07.000 If you remember, that conversation went away weeks ago.

00:32:10.000 What this was is about making sure their base was ginned up for the no-king rally. 0.76

00:32:14.000 They were planning on reopening the government.

00:32:16.000 When they realized they couldn't reopen the government because they knew November elections were coming, they quote, they said this to me because I was part of the negotiations.

00:32:24.000 We can't reopen.

00:32:25.000 Chuck Schumer said that he'll release the handcuffs.

00:32:28.000 That is a quote, release the handcuffs once the Tuesday election is over because they were afraid their base wouldn't show up to vote if they did it before that.

00:32:36.000 There was 13 Democrats that agreed to vote to reopen the government.

00:32:41.000 Now, what's really interesting, what the view said there is the view said that Chuck Schumer's days are numbered.

00:32:47.000 Well, he's not up for reelection in 28.

00:32:49.000 I think, because Madame, remember, he's not a natural born citizen.

00:32:53.000 He just became a citizen in 2018.

00:32:56.000 I think they run him against Chuck Schumer.

00:32:59.000 He doesn't stay in New York four years.

00:33:01.000 He runs for Chuck Schumer's seat and wins in 2028.

00:33:05.000 And AOC is trying to get on the presidential ticket as either as a VP or as a presidential nominee moving forward. 0.80

00:33:12.000 Talking about Joe, here's how ridiculous Joe is now. 0.64

00:33:16.000 Joe is not wanting to actually talk about facts. 0.87

00:33:19.000 He didn't say crime was down.

00:33:21.000 He said they took it off the front page.

00:33:23.000 Bingo.

00:33:24.000 So he's playing politics too.

00:33:26.000 Here's a reporter that's supposed to be reporting the facts, and he's praising the Democrats for using this gimmick by holding the American people hostage or as leverage points for over 40 days, crashing our economy.

00:33:37.000 Our GDP was at 4%.

00:33:39.000 It's down to 1%.

00:33:41.000 We have more flight cancellations today than we ever had in the history of the United States with the exception of 9-11.

00:33:48.000 And he's praising it as a success because they took crime off the front page.

00:33:53.000 This is absurd.

00:33:54.000 Yeah, that's a really, I mean, nothing boils this down or distills the essence of what just happened more than that.

00:34:02.000 It is all for optics.

00:34:04.000 It doesn't matter, like you said, that crime is actually down.

00:34:07.000 It just matters what are people talking about.

00:34:09.000 It's all about political leverage and optics.

00:34:13.000 And I actually tweeted this out this morning that there is no moral high ground here.

00:34:18.000 The tell is in the reaction to what just took place.

00:34:21.000 They didn't get their ACA subsidies.

00:34:23.000 They knew they were never going to.

00:34:24.000 We have the votes.

00:34:25.000 They don't.

00:34:26.000 So as long as we keep our caucus together, you know, there was never going to be a situation where we sort of bent the knee and you're like, oh, sure, let's spend another $1.5 trillion that we don't have.

00:34:37.000 And yeah, of course, there's going to be some illegals and some people that Joe Biden let in that should not be getting that taxpayer money.

00:34:42.000 And we all know that's the case.

00:34:43.000 You proved it last time you were on the show.

00:34:46.000 And so it's really infuriating to see that these folks basically held the country hostage for 40 days when they knew they weren't going to get anything because they simply thought they were getting political momentum and leverage out of it.

00:34:57.000 Senator, final word.

00:34:58.000 Well, you just summed it up.

00:34:59.000 You summed up everything.

00:35:00.000 And fortunately, every one of the Republicans stayed strong because they had a strong leadership in President Trump, with the exception of Ram Paul.

00:35:07.000 I can't Rand Paul's Ram Paul.

00:35:09.000 But other than that, the American people saw that Republican parties were standing strong behind President Trump because he had a clear vision with a clear leadership mentality.

00:35:18.000 Thank you, sir.

00:35:19.000 Thank you, Senator.

00:35:20.000 We'll have you back on again soon.

00:35:21.000 Thank you so much.

00:35:24.000 This is Lane Schoenberger, Chief Investment Officer and Founding Partner of WhyReFi.

00:35:29.000 It has been an honor and a privilege to partner with Turning Point and for Charlie to endorse us.

00:35:34.000 His endorsement means the world to us, and we look forward to continuing our partnership with Turning Point for years to come.

00:35:41.000 Now, here Charlie, in his own words, tell you about WhyReFi.

00:35:44.000 I'm going to tell you guys about whyReFi.com.

00:35:46.000 That is why F.Y.com.

00:35:48.000 WhyReFi is incredible.

00:35:50.000 Private student loan debt in America totals about $300 billion.

00:35:53.000 WhyReFi is refinancing distress or defaulted private student loans?

00:35:57.000 You can finally take control of your student loan situation with a plan that works for your monthly budget.

00:36:01.000 Go to yrefi.com.

00:36:03.000 That is whyrefi.com.

00:36:04.000 Do you have a co-borrower?

00:36:06.000 WhyReFi can get them released from the loan?

00:36:08.000 You're going to skip a payment up to 12 times without penalty.

00:36:10.000 It may not be available in all 50 states.

00:36:12.000 Go to yrefi.com.

00:36:14.000 That is why FY.com.

00:36:17.000 Let's face it, if you have distress or defaulted student loans, it can be overwhelming.

00:36:20.000 Because of private student loan debt, so many people feel stuck.

00:36:24.000 Go to yrefi.com.

00:36:25.000 That is why.com.

00:36:28.000 Private student loan debt relief, yrefi.com.

00:36:33.000 Looks like Senator Schumer is speaking from the House floor.

00:36:37.000 He looks defeated.

00:36:39.000 I think it's fair to say.

00:36:40.000 I feel like he should always look defeated.

00:36:43.000 He's got a look, doesn't he?

00:36:44.000 He's got a real look.

00:36:45.000 He's a real looker.

00:36:48.000 I mean, he almost looks like a cartoon character, for real.

00:36:51.000 Let's go ahead and play cut 100.

00:36:53.000 Donald Trump cannot take 42 million hungry people as hostages.

00:37:00.000 He cannot withhold the benefits they need for food for their families.

00:37:05.000 Even now, Donald Trump isn't satisfied.

00:37:07.000 Today, even more cruel, he appealed to the Supreme Court yet again to try and get out of paying full snap benefits.

00:37:16.000 The president's done a lot of cruel, nasty, mean things over the years.

00:37:22.000 So he's looking very depressed, sullen from the Senate floor.

00:37:28.000 I mean, that guy, he voted no on it.

00:37:30.000 And they don't care because he's the one who couldn't keep his payment.

00:37:33.000 I'm really, the whole vibe worries me because in the end, I think we should acknowledge it is not good for the country to just have a government shut down.

00:37:43.000 Even if you think, oh, the government's so bad, I like it being shut down, that itself is a giant, you know, flashing red warning light.

00:37:50.000 Yeah, that should be like a big alert.

00:37:54.000 And I'm worried that the Democrats, and potentially Republicans, too, are reaching this idea where they just regard it as politically good to have the government shut down whenever they're not in charge of it.

00:38:03.000 Well, and that's what's so cynical about this whole thing is that you have eight people that caucus with the senators, that caucus with the Democrats that finally broke rank.

00:38:13.000 And you've got Tim Kaine saying, listen, I got all these government workers that aren't getting paid in my home state.

00:38:18.000 I got basically a million people in Virginia that are on the government payroll.

00:38:23.000 So I have to worry about that.

00:38:25.000 Angus King is coming out and saying, there's no end game.

00:38:28.000 We're about to see all the flights shut down.

00:38:30.000 Like, what's the end game here?

00:38:31.000 We don't have the votes.

00:38:32.000 So we got to try a different strategy.

00:38:33.000 So you finally had eight people that came to their senses after they used it as political leverage to help them, you know, gin up support in these off-year elections.

00:38:43.000 So we got inundated.

00:38:45.000 Dozens of emails at Freedom at Charlie Kirk, just different thoughts on the mortgage question.

00:38:49.000 A good amount of enthusiasm for it, I've got to say, across the spectrum.

00:38:53.000 Surprised me a little bit, but I want to read some of those.

00:38:56.000 So, for example, we have Shelly.

00:38:58.000 Shelly says, I am a millennial.

00:39:00.000 I went to a good high school, the same school as Boys to Men.

00:39:04.000 I have not seen that, but I grew up in the city to a single mom.

00:39:09.000 I didn't know what I was in for at 18, and I wound up going to community college.

00:39:13.000 Then 9-11 happened, that happened.

00:39:15.000 And my testimony beyond that, I could write a book one day.

00:39:18.000 I remember the first time homebuyer craze under Obama, and I remember the mass foreclosures.

00:39:23.000 I remember homes going from $50,000 to $350,000.

00:39:27.000 I am now looking forward to buying a home and living with my 85-year-old mother, rebuilding my credit and saving to buy my first home now that my youngest is eight and my oldest will be 20.

00:39:37.000 A 50-year mortgage would help me.

00:39:39.000 My first home will be in my children's names.

00:39:42.000 It will be a family home that will be available to them as they need it, and they can sell it when they agree.

00:39:49.000 The work I do at 44 is for them.

00:39:51.000 Love you guys.

00:39:52.000 Shelly.

00:39:53.000 That's a very interesting one.

00:39:55.000 And I like that mentality.

00:39:57.000 Charlie would love that mentality of like what you are doing is so you can bequeath it to your children and your descendants from there.

00:40:04.000 I do worry that is a mentality not enough people in America have.

00:40:09.000 So they would think, like, oh, I'm only buy a home for my children to one day own it.

00:40:15.000 Yeah, this is actually an interesting question I'd love to ask the audience because I can't tell you how many people I have heard from that make the joke, I'm going to spend all my inheritance before I die.

00:40:25.000 You know, the kids get a but no, but it's like a common boomerism.

00:40:28.000 It's bad, but it's not just boomers.

00:40:30.000 I've heard Xers. 1.00

00:40:31.000 I've heard people say, I'm just going to spend it all.

00:40:33.000 It's the use it.

00:40:35.000 Well, to use a slightly, you know, it's the F you Got Mine mentality that a lot of people have.

00:40:40.000 But it also is kind of like a funny joke.

00:40:42.000 I'd love to hear from the boomers in the audience if, like, if you guys kind of understand that or if you disagree with it.

00:40:47.000 So here's a boomer.

00:40:48.000 Oh, go ahead.

00:40:49.000 Well, I think what I would critique with the sort of, you know, that attitude is it's sort of this attitude of wealth as just like a consumption good.

00:40:57.000 And, you know, oh, well, I can use it.

00:40:59.000 I worked for it, so I can use it to buy cruises or whatever.

00:41:03.000 But really, like, what wealth above everything else, it's security and it's time.

00:41:07.000 Like, you can buy the ability to like save time on things.

00:41:10.000 And to not care about bequeathing that to your descendants to like make their lives like not as difficult as yours is very misguided, in my opinion.

00:41:19.000 It's not that you have to leave them everything.

00:41:20.000 It's not that you, they own what you worked for, but it's a mentality I have a hard time with.

00:41:26.000 And I want to flag this one quick where, just real quick, RC says, I am a long-time loan officer.

00:41:31.000 And you guys, no offense, are a little green, a little naive.

00:41:35.000 And RC says, I never sold refinances.

00:41:38.000 They say that the reason it's a pretty long one.

00:41:42.000 They said they would just recommend on a 50-year mortgage that people save excess money and they make early payments on their mortgage, which you can do under a lot of loan agreements.

00:41:51.000 And if you're making, RC says if you're making two and a half extra payments a year, so kind of two and a half worth of monthly payments a year, you can shave a 30-year mortgage down to 11 years, which sounds wild to me.

00:42:06.000 And so I imagine that could have an even bigger effect on a 50-year.

00:42:09.000 That would be interesting, but I would also note the reason we have these 50-year proposals is people can't afford the 30-year mortgage.

00:42:15.000 And so how much are they going to be able to save on a 50-year?

00:42:19.000 We got a Mike from Ohio says he's a boomer.

00:42:24.000 He's born in 1946.

00:42:26.000 He's a veteran, father of eight.

00:42:28.000 God grandfather to 22 and a great, yeah, great-grandfather to three great-grandchildren.

00:42:34.000 This is fantastic.

00:42:35.000 He says he listens to Rav to four to six hours a day.

00:42:39.000 And he loved Charlie.

00:42:40.000 So he says, Here's my suggestion to young people: seek first the kingdom, get married in your 20s, have a big family, tithe to your income first, then live within your means with what's left over.

00:42:50.000 If you are able to buy a home, that's swell.

00:42:52.000 If not, trust in God's word to take care of you and your family.

00:42:55.000 Raise your children in the Lord so they can have a good foundation to change the world for good when they become adults.

00:43:00.000 Tell them to follow Jesus no matter what circumstances they may find themselves.

00:43:04.000 Christ will take it from there and he will raise up a world of Charlie's. 0.97

00:43:09.000 That is what Charlie would talk about this too.

00:43:11.000 Like, if you do follow, sometimes with Rob Henderson, he called it the success sequence.

00:43:16.000 You know, get married, don't have kids until you're married, you know, finish high school.

00:43:22.000 And I can't remember what's the third part of the success sequence.

00:43:26.000 But basically, if you follow good practices, in the end, we face a tough world.

00:43:30.000 It is a tough reality.

00:43:32.000 Yet, at the same time, if you follow the very good, basic moral principles, you will likely be able to save money and eventually even afford these inflated home prices that we have.

00:43:44.000 Or if you can't, you'll be able to afford renting.

00:43:46.000 Live within your means is a tried and true, old school approach.

00:43:51.000 And it's not, it's basics.

00:43:53.000 Yeah.

00:43:53.000 Just live with your means.

00:43:54.000 It's not the case.

00:43:55.000 We want homes to be cheaper.

00:43:56.000 We're fighting for that.

00:43:57.000 But you have to recognize sometimes the world is not as accommodating as we'd like, and you have to work for that.

00:44:07.000 For more on many of these stories and news you can trust, go to CharlieKirk.com.

The Charlie Kirk Show - November 10, 2025

50-Year Mortgages: Good Idea, or Bad Idea?

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