The Charlie Kirk Show - The Radical Left Threat, Online and at UVU

00:00:03.000 My name is Charlie Kirk.

00:00:05.000 I run the largest pro American student organization in the country fighting for the future of our republic.

00:00:11.000 My call is to fight evil and to proclaim truth.

00:00:14.000 If the most important thing for you is just feeling good, you're going to end up miserable.

00:00:19.000 But if the most important thing is doing good, you will end up purposeful.

00:00:24.000 College is a scam, everybody.

00:00:26.000 You got to stop sending your kids to college.

00:00:27.000 You should get married as young as possible and have as many kids as possible.

00:00:31.000 Go start a Turning Point USA College chapter.

00:00:33.000 Go start a Turning Point USA High School chapter.

00:00:35.000 Go find out how your church can get involved.

00:00:37.000 Sign up and become an activist.

00:00:39.000 I gave my life to the Lord in fifth grade.

00:00:41.000 Most important decision I ever made in my life.

00:00:43.000 And I encourage you to do the same.

00:00:45.000 Here I am.

00:00:46.000 Lord, use me.

00:00:48.000 Buckle up, everybody.

00:00:49.000 Here we go.

00:00:56.000 Noble Gold Investments is the official gold sponsor of The Charlie Kirk Show, a company that specializes in gold IRAs and physical delivery of precious metals.

00:01:06.000 Learn how you could protect your wealth with Noble Gold Investments at NobleGoldInvestments.com.

00:01:13.000 That is NobleGoldInvestments.com.

00:01:17.000 All right.

00:01:18.000 Welcome to the Charlie Kirk Show.

00:01:19.000 It is Tuesday, May 12th.

00:01:21.000 It's heating up here in Phoenix, Arizona.

00:01:23.000 We're at the Y Refi Studios.

00:01:25.000 How are we doing, Blake?

00:01:26.000 Oh, we're doing all right.

00:01:28.000 We're doing all right.

00:01:28.000 Well, we're going to get the show started off with a bang here because we have none other than the great Senator Mike Lee from the great state of Utah.

00:01:39.000 And we got to get into what's going on with FISA, what's going on with the Save America Act.

00:01:42.000 We have so much to get into, and our audience is a little confused, Senator, about these two different topics.

00:01:48.000 And we're also going to talk about UVU.

00:01:50.000 You got mentioned in some radical literature that's being passed around that campus, and we're going to be getting into that the second half of this hour.

00:01:58.000 But, Senator, let's start with FISA.

00:02:02.000 FISA is confusing for a lot of people.

00:02:05.000 Does it spy on Americans?

00:02:06.000 Does it not?

00:02:07.000 The president used to be against it, now it seems like he's for it.

00:02:11.000 What's going on here with FISA?

00:02:13.000 First of all, FISA is the Foreign Intelligence Surveillance Act, and it's designed to allow us to keep tabs on our foreign adversaries, people operating outside the United States who are not citizens of the United States.

00:02:27.000 In some circumstances, it can be and occasionally has been used as against Americans.

00:02:33.000 Now, FISA 702's authorization is now set to expire in about a month on June 12th.

00:02:40.000 And Section 702 specifically was originally enacted in 2008.

00:02:46.000 To make it easier for the government to get vital intelligence about foreign governments and their agents.

00:02:54.000 The problem is that it has also allowed agencies like the FBI and the NSA to gather with some regularity and search through the private communications of American citizens without a warrant.

00:03:08.000 In other words, there are some communications from U.S. citizens that end up getting incidentally collected.

00:03:16.000 This term incidental collection is the term that they use to describe the fact that sometimes you will have a phone call or other communication between a U.S. citizen and an agent of a foreign power.

00:03:28.000 And if they can then search through their database for everything that a U.S. citizen has said, that's kind of problematic because you could target U.S. citizens.

00:03:38.000 So we want some protections in there to protect U.S. citizens.

00:03:42.000 There ought to be something, something akin to a warrant that's required before you can query.

00:03:47.000 The FISA 702 database for information specifically on a particular US citizen.

00:03:55.000 And so, if we don't have that, this could create kind of a Fourth Amendment end run.

00:04:02.000 Right.

00:04:04.000 So, explain to me this is very interesting here because we've got this clip here with John Solomon and Sean Hannity.

00:04:13.000 Sean's got his new show, and they're talking about President Trump's own perspective on this.

00:04:19.000 And I think this is what's confusing a lot of people, Senator.

00:04:22.000 So, I'll play the clip and get your reaction on the other side.

00:04:25.000 Sot one.

00:04:26.000 Three of the four FISA warrants signed by James Comey himself.

00:04:30.000 You had to verify the authenticity of it to sign off on it.

00:04:34.000 And he signed three of the four of them.

00:04:38.000 Fast forward a little bit. 0.69

00:04:40.000 All the people that signed every FISA warrant eventually went before Lindsey Graham. 0.73

00:04:44.000 Yeah.

00:04:45.000 All of them said, knowing, ask the question, knowing what we know now, would you ever sign that FISA warrant?

00:04:52.000 Knowing what I know now, of course not.

00:04:54.000 But they knew at the time.

00:04:56.000 They kept a spreadsheet.

00:04:57.000 This is one of the big stories we broke on your show.

00:04:59.000 I remember.

00:05:00.000 Spreadsheet.

00:05:01.000 They went through every sentence of the dossier.

00:05:03.000 90% were either disproven, unverified, or unverifiable, meaning that there was no possibility of ever. 0.97

00:05:11.000 When you have an intelligence product that's 90% unverifiable, it's garbage. 0.99

00:05:15.000 It literally is garbage. 1.00

00:05:16.000 All right. 1.00

00:05:17.000 So listen to their language.

00:05:18.000 So this was when they were spying on President Trump's campaign.

00:05:21.000 James Comey, they're saying he signed a warrant.

00:05:24.000 Are they misspeaking there?

00:05:25.000 Is it not really a warrant?

00:05:26.000 Or, you know, so my question is, you know, they obviously knew that this intel was bogus.

00:05:32.000 They signed it anyways.

00:05:33.000 They got some of Authority, authorization to do it.

00:05:36.000 What is that authority and authorization compared to what you're calling for now?

00:05:40.000 Yeah, no, I could be mistaken, but I believe they're talking about other sections of FISA that aren't necessarily 702 because 702 is directed specifically at agents of a foreign power, at people who are operating outside the United States and who are non citizens.

00:05:56.000 There's also FISA Title I. Maybe that's what they were talking about.

00:05:59.000 Yes, exactly.

00:06:01.000 But the abuses of FISA 702 of FISA generally have been rampant and significant.

00:06:08.000 And as a recent report from the Brennan Center for Justice has highlighted, FBI agents over the years, including some recent years, have searched in the FISA 702 database for the communications of protesters across the political spectrum, of members of Congress, of a congressional chief of staff, a state court judge, multiple U.S. government officials, and some journalists and political commentators, and 19,000 donors to a political campaign.

00:06:36.000 It's also been abused at times.

00:06:38.000 For individual agents who decided to use it to vet romantic interests.

00:06:44.000 One guy used it because he suspected that his dad was cheating on his mom.

00:06:49.000 And so he did a FISA 702 query for his dad, who was a US citizen.

00:06:53.000 Somebody else used it to vet potential tenants in his rental properties.

00:07:00.000 So as you can imagine, all these things cry out for reform, and we need something akin to a warrant requirement.

00:07:07.000 We shouldn't just rubber stamp these.

00:07:09.000 Vast domestic spying powers for the same deep state that has targeted President Trump and members of Congress and countless law blighting Americans across the country.

00:07:20.000 So, what do you think?

00:07:20.000 No MAGA Republican ought to support giving a loaded gun back to the swamp.

00:07:24.000 No, I totally agree.

00:07:27.000 I completely agree, Senator.

00:07:28.000 I'm trying to get clarity here because the 702, it looks like it's authorized by the FISA court reviews and approves topical certifications and procedures submitted by the Attorney General and DNI to ensure appropriate targeting.

00:07:43.000 The FISA Title I is the intelligence community attains an individualized probable cause warrant from the FISA court.

00:07:51.000 Okay, so that's kind of the two buckets.

00:07:52.000 We had that graphic up.

00:07:54.000 702 does not require a warrant currently, and that is the key, I guess, reform that you're hoping to get in place here?

00:08:04.000 Yes, yes.

00:08:05.000 And to be clear, when you pursue a FISA 702 investigation, there is a type of order that backs that up.

00:08:15.000 And we're not taking issue with that.

00:08:17.000 What we're taking issue with is the ability, once you have accumulated all that information, which will necessarily include.

00:08:26.000 Incidental collections of communications from U.S. citizens that were incidentally swept up into that same investigation.

00:08:35.000 In order to query the database specifically to see what a U.S. citizen has said, that's where we need something akin to a warrant that says, look, we need to look at this.

00:08:46.000 It's related to the investigation.

00:08:48.000 Here's why we think it's relevant.

00:08:49.000 Let us go do it.

00:08:51.000 Yeah.

00:08:51.000 I mean, why do you think, just in 30 seconds here, Senator, why do you think President Trump has, it just sounds like he's singing from a different perspective.

00:09:01.000 Song sheet all of a sudden on 702.

00:09:03.000 Well, it's not unusual at all for any president of the United States to resist efforts to restrict the executive branch in its ability to do certain things.

00:09:17.000 That's not unusual, especially in a hyper technical, hyper specialized context like FISA 702.

00:09:27.000 They've got people, presidents of both parties have people coming to them every day within their own administration saying, we need this.

00:09:35.000 We don't want it to be undone.

00:09:36.000 And usually, what they're focusing on is that FISA 702 does do good things.

00:09:41.000 And I don't dispute that, but we need to protect Americans here.

00:09:45.000 Senator Mike Lee, I think we did a pretty thorough job on FISA 702.

00:09:48.000 I agree with you that no MAGA conservative, no conservative, candidly, should be supporting warrantless surveillance of Americans.

00:09:56.000 I understand the national security importance of it, but we got to have some checks and balances.

00:10:01.000 And by the way, we cannot forget how it has been weaponized against us.

00:10:05.000 They will do it again.

00:10:06.000 They will do it again, even with checks and balances, but at least we have some stopgaps.

00:10:11.000 Senator, I want to turn our attention to the Save America Act.

00:10:16.000 You have been one of the leading voices pushing this, pushing to nuke the zombie filibuster, actually make senators debate on the floor.

00:10:24.000 We haven't seen the progress that we wanted or that you wanted, but you've been doing an amazing job pushing that forward.

00:10:29.000 I'm going to play a clip, though, from Kamala Harris here and get your reaction.

00:10:33.000 Sot 13.

00:10:35.000 To your point about poll taxes, literacy taxes, this is not new in our history.

00:10:42.000 And it's an agenda that has been in play since we got voting rights.

00:10:48.000 And to fast forward to today, yes, it's more of the same.

00:10:54.000 What they will do is basically, to your point, Rev, to register to vote, you're going to have to prove your citizenship by a passport or a birth certificate.

00:11:11.000 20 million Americans don't have a passport or access to a passport.

00:11:18.000 And to get one is at least $100, if not close to $200, which is in essence a poll tax, right?

00:11:25.000 Is the Save America Act a poll tax, Senator Lee?

00:11:29.000 In no way, shape, or form is it a poll tax.

00:11:29.000 No, no.

00:11:32.000 And this is, she's speaking with reckless disregard for the truth.

00:11:36.000 Look, she's either flat out lying or she's been badly misinformed by someone who is lying.

00:11:43.000 Obviously, if she had bothered to read the Save America Act, she would see the text beginning at line 22 of page 12 of the bill, which makes clear that even if you don't have any of the documentation that you need to establish citizenship, you can, at a minimum, just swear out an affidavit saying, here's where and when I was born and why I was a citizen at the time of my birth, or if you're not a natural born citizen, how and when you became naturalized.

00:12:09.000 That then shifts the burden to the state to disprove your citizenship.

00:12:13.000 It's very, very easy.

00:12:15.000 Now, she says, meanwhile, unless you have a valid current U.S. passport or some other documents, you're out of luck and it's going to disenfranchise people.

00:12:25.000 That's just a lie.

00:12:26.000 It's just a flat out lie.

00:12:27.000 Remember, the Save America Act secures our elections by doing two things it requires verification of citizenship with registration and ID to vote in American elections, in elections for U.S. federal office.

00:12:42.000 Now, these provisions are massively popular among the American people who, unlike Kamala Harris, understand what the bill actually does.

00:12:50.000 83% support voter ID, 95% of Republicans, and 71% of Democrats.

00:12:56.000 74% support proof of citizenship requirements, and that includes 90% of Republicans and 61% of Democrats.

00:13:04.000 59% of voters support passing the Save America Act this year before the 2026 midterm elections.

00:13:11.000 So look, the only place in the country where the Save America Act is even remotely controversial is among Democrats in Congress.

00:13:20.000 And that's because they're lying about it, and many of them have been misinformed.

00:13:25.000 So, but we've got to overcome their obstruction.

00:13:27.000 And so, we've got two options.

00:13:28.000 We can either force the Democrats into a talking filibuster, we wait them out, we wait till they're exhausted, either physically or exhausted the number of speeches they can give under Rule 19.

00:13:38.000 Then we pass it by a simple majority.

00:13:40.000 Or alternatively, they, after getting physically tired, they negotiate face saving changes that will make them comfortable with it.

00:13:49.000 That's how they passed the Civil Rights Act of 64.

00:13:51.000 Or alternatively, we can just nuke the filibuster.

00:13:53.000 And pass the Save America Act by a simple majority.

00:13:56.000 I strongly prefer the first option, but inaction is not an option here.

00:14:00.000 We've got to do one or the other.

00:14:02.000 Well, but, Senator, as you say, we can dunk on Kamala all we want.

00:14:07.000 We can say it's only Democrats who oppose it, but there is a Republican majority, and we've speculated on all those options for getting the bill through.

00:14:17.000 We get emails a lot about this, and they're always asking, okay, why hasn't it passed?

00:14:22.000 Why haven't any of these things been done?

00:14:25.000 A lot of conservatives think that.

00:14:27.000 They're getting played on this by Republican leadership.

00:14:30.000 And is anything going to happen to disabuse them of that notion?

00:14:34.000 Look, we continue to hear assurances from Leader Thune and his office that we are going to get back to the Save America Act.

00:14:40.000 We have been tied up on working on DHS funding, which we're still working on, and we'll be working through the end of next week.

00:14:48.000 And we've got to reauthorize FISA between now and June 12th.

00:14:51.000 But sometime in the next few weeks, this is going to be ripe again.

00:14:53.000 We're going to have the opportunity and the moment where this comes back up.

00:14:57.000 Now, you do raise a very important point in that.

00:15:01.000 We've got some Senate Republicans, not very many, but a few who have been naysayers.

00:15:07.000 And I hate to say this, but I can predict something here.

00:15:11.000 Sometime in the next week or two, specifically because I'm doing this interview with you right now and I'm saying the things that I've said, you're going to see a left wing swamp rag like Politico or Punchbowl run a half dozen quotes from anonymous Republican senators who don't want to fight for the Save America Act, complaining that I keep talking about it.

00:15:31.000 That is a guarantee.

00:15:33.000 But you know what?

00:15:33.000 I'm not going to stop talking about it because the American people are with us.

00:15:36.000 The American people deserve this.

00:15:38.000 President Trump wants it passed.

00:15:39.000 In fact, he's identified it as his top legislative priority, as it is mine.

00:15:44.000 When Chip Roy and I set out to write this thing about three years ago, we knew that it needed to happen.

00:15:53.000 I don't know that either one of us foresaw the extent to which the American people would latch onto it and realize the urgency of it.

00:15:59.000 We're thrilled by the public outcry.

00:16:02.000 We're equally surprised that in the Senate, we still have opposition from Democrats and, unfortunately, from a few Republicans.

00:16:11.000 We're going to overcome that, though, because it's.

00:16:13.000 As we keep talking about it, it's going to be harder and harder for the naysayers to continue to push back.

00:16:19.000 Senator, I've only got another 90 seconds here with you.

00:16:22.000 I want to turn your attention to UVU.

00:16:24.000 Obviously, this is a campus where Charlie was assassinated on September 10th.

00:16:28.000 And there is an article out of the Cougar Chronicle.

00:16:30.000 We're going to speak to this lead editor next.

00:16:34.000 And it's, you know, inside UVU's extremist student groups on campus.

00:16:38.000 And the article details pretty shockingly how after September 10th, it's gotten worse on that campus, including.

00:16:45.000 Images of you, signs depicting you as a KKK leader and the like.

00:16:54.000 It's shocking in general, but to see it out of Utah, what is your reaction to that?

00:16:59.000 And, you know, what can be done?

00:17:01.000 Well, it's offensive.

00:17:03.000 And I think it's odd.

00:17:04.000 I mean, I've never had anything to do with the Democratic Party. 0.73

00:17:07.000 And of course, the Ku Klux Klan was the enforcement wing of the Democratic Party.

00:17:11.000 And so it seems like they're clueless about this sort of thing.

00:17:14.000 The same people who call Republicans Nazis, ignoring the fact that Nazis and other fascists are.

00:17:20.000 That bottom socialists, but look, all these things show that left wing political violence seems to be growing, especially on many college and university campuses.

00:17:31.000 And it's being promoted by progressive media, in many cases, politicians as well, who dehumanize half the country by calling them Nazis, which provides something of a permission structure for Antifa or other zealots and Hamas sympathizers to hurt their enemies.

00:17:48.000 And by hurt them, I mean physically do them harm.

00:17:50.000 Well, Senator, we got to do something about these.

00:17:53.000 Universities are getting out of control, even in Utah.

00:17:56.000 Senator Mike Lee, thank you for joining us.

00:17:58.000 We appreciate your time.

00:17:59.000 We'll have you on soon.

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00:19:12.000 All right.

00:19:12.000 Very important topic here.

00:19:14.000 We're going to welcome in Kimball Call.

00:19:16.000 He's a lead editor for the Cougar Chronicle, and he's just published a really important story about the increased activity of some pretty radical, seemingly I guess you would say inclined to violence, even, or at least violent ideation at UVU.

00:19:35.000 Of course, UVU is where Charlie was assassinated on September 10th last year.

00:19:41.000 Kimball, welcome to the show.

00:19:43.000 Hey, guys.

00:19:43.000 Thanks for having me on.

00:19:44.000 It's an honor to be here.

00:19:45.000 Yeah, it's an honor to have you here.

00:19:47.000 You've done a really important piece here, and you've documented some of the crazier posts, the Discord chats, protests.

00:19:58.000 Give us the 30,000 foot view.

00:20:00.000 So, you went to document what's actually happening at UVU's campus.

00:20:05.000 What did you find?

00:20:07.000 So, we found that since the assassination of Charlie Kirk, it seemed as though the left wing student body has gotten even more radical.

00:20:15.000 We found that there was, even in the direct aftermath, clubs organizing and mobilizing to not take advantage of the opportunity, but to honestly perpetuate the extremist rhetoric that I think led to Charlie Kirk's assassination.

00:20:34.000 So, one of these is the Civil Disobedience Club, is what they call themselves.

00:20:37.000 They're an official UVU club.

00:20:39.000 They are On campus as a chartered club, and they organized in the very days after the assassination.

00:20:46.000 And some of the things they've been involved with have been protests against the memorial for Charlie Kirk, protests against ICE and DHS coming on campus for a career fair.

00:20:57.000 They've been responsible for some of the more radical rhetoric, and we were able to obtain screenshots from within their club Discord of them ideating on violence, talking about violence against other conservatives, and even offering to train each other on how to use firearms to defend themselves from quote unquote fascists.

00:21:12.000 But there are also some other students and groups involved with this as well.

00:21:16.000 Yeah, and I noticed that there seems to be an appeal for the expression Bella Chow, which is obviously the expression that was written on one of the bullets found that belonged to Tyler Robinson, where he had etched certain expressions on the bullets.

00:21:34.000 And, you know, you guys actually, I guess, confronted or you found this clip of somebody confronting a gentleman on campus handing out pamphlets.

00:21:44.000 And he says he's glad that Charlie.

00:21:47.000 Is gone, at least.

00:21:48.000 We'll play the clip and have your reaction.

00:21:50.000 SOT 12.

00:21:52.000 How's it going?

00:21:53.000 It's going good.

00:21:55.000 So I'm just curious, why are you guys writing Bella Chow on the sidewalk?

00:21:58.000 Because we're against fascism.

00:22:00.000 You're against fascism?

00:22:01.000 So what does Bella Chow mean?

00:22:03.000 It's an anti fascist anthem.

00:22:05.000 Okay, does that have anything to do with it being written on the bullets that killed Charlie Kirk?

00:22:08.000 It has nothing to do with that.

00:22:10.000 Okay, so that's just a coincidence.

00:22:11.000 It has everything to do with it being an anti fascist anthem long before anything happened to Charlie Kirk.

00:22:17.000 I cannot, like, that.

00:22:18.000 Was Charlie Kirk a fascist?

00:22:19.000 Yes, absolutely, he was.

00:22:21.000 I'm not sad that he's gone.

00:22:22.000 He wasn't a good man.

00:22:24.000 He wasn't a good person. 1.00

00:22:25.000 He wasn't a good Christian. 1.00

00:22:26.000 And you're glad there was a murder on this campus. 1.00

00:22:28.000 That's fascinating.

00:22:29.000 I'm glad that he's gone.

00:22:31.000 Shocking.

00:22:32.000 Glad that he's gone.

00:22:32.000 So that's a really important insight into the type of people we're dealing with.

00:22:37.000 You can even see it in his eyes, the tenor of his voice.

00:22:40.000 You can always tell these are absolutely psychotic people. 0.99

00:22:44.000 This is a guy who just hates a ton of other people, wants them dead, wants to take their stuff. 0.97

00:22:50.000 All Antifa people are like this at heart. 1.00

00:22:53.000 They are nasty, vicious, disgusting people without exception. 1.00

00:22:59.000 Who is this guy, Kimball? 0.98

00:23:01.000 Well, we think he's, according to some of our sources, he's the president or at least last semester's president of the Civil Disobedience Club.

00:23:10.000 We know for sure he was in the leadership of the club and was involved with founding the club.

00:23:15.000 And he's not the only one who has these opinions.

00:23:18.000 Unfortunately, we have evidence of lots of other students.

00:23:21.000 And some that aren't even members of the club that share these same ideas.

00:23:25.000 And I personally see it as a university failing in their duty to produce citizens who can go into society and produce and be productive.

00:23:36.000 When a university produces students like this or allows students like this to leave their university with a degree, I see it as a fundamental failure of the institution.

00:23:46.000 Kimball, you included in your report this.

00:23:50.000 It was like, I guess it's an X chat, and the Flat Ranger UT posted it.

00:23:57.000 And then he kind of follows up the post and said, It's really funny how much I pissed you off by recording this.

00:24:03.000 And then there's an account here, Kadazzle USA says, Bella Chow Connor.

00:24:10.000 What is this a threat?

00:24:13.000 Is this a death threat to the person that recorded this?

00:24:15.000 I think it's certainly fair to interpret it that way.

00:24:17.000 That's how some of the UVU TPUSA members are interpreting it.

00:24:23.000 We know for sure that, well, we suspect the student is a, or this, this, X user is a student because he knows the name of the individual who was confronting that president we saw earlier.

00:24:35.000 And we know for a fact that this isn't the only instance of UVU students, particularly members of these clubs, using Bella Chow against conservatives.

00:24:42.000 We have also reports of Bella Chow, the song, being played near TPUSA tables when they're on campus, which is extremely inappropriate.

00:24:52.000 There's this other group, it looks like National SDS.

00:24:55.000 What is that group?

00:24:57.000 So SDS is the Students for Democratic Society.

00:25:00.000 They're a group that can trace back their roots to the civil rights movement, and they recently have had a resurgence.

00:25:06.000 They're a far left wing student group, they're nationwide, they have chapters in a lot of different universities.

00:25:11.000 And recently, they've made their mission to try to kick Turning Point USA off of campuses around the country.

00:25:16.000 So, their Instagram put out a call for chapters of SDS to find ways to kick, like they use the words kick TPUSA off campus, and they also use the words smash their charter and smash their events, which is pretty aggressive rhetoric.

00:25:31.000 As soon as this post was posted on the national SDS's Instagram page, you saw the local chapter of SDS at UVU immediately target a TPUSA fundraising event that the local TPUSA chapters were doing with a local Dave's Hot Chicken restaurant.

00:25:47.000 And they spammed this restaurant with calls, they review bombed them on every platform they could get their hands on.

00:25:54.000 And they made it really difficult for this business to do their business in this community for a couple of weeks there.

00:26:01.000 So we see SDS as a national organization trying to militate.

00:26:04.000 Against conservatives, and we see these local chapters taking up that call and trying to fulfill it as best they can.

00:26:10.000 Yeah, and I'm gonna show something.

00:26:12.000 I, you know, it's not graphic, it's disturbing incredibly.

00:26:17.000 I want to, I want you to, I'm gonna only show it briefly, but this is the kind of stuff that's getting shown on Discord chats, and it's a picture, it looks AI generated, of special beam cannon, is what it says, with Charlie.

00:26:32.000 And what am I looking at there?

00:26:35.000 You're looking at students in the CDC Discord server.

00:26:38.000 So, this is their official club server mocking Charlie Kirk's assassination.

00:26:43.000 And this is not the only instance we have of that happening on campus and within these group chats.

00:26:50.000 But you see them delighting in Charlie Kirk's assassination and making light of it.

00:26:56.000 Was there any indication, Kimball, of the because I'll never forget, obviously, now it's seared into my memory ahead of that event at UVU.

00:27:06.000 I noticed, Charlie noticed, that there was a disturbing amount of controversy around his visit, which leads me to believe that there was already a radicalized element very much active and present on campus.

00:27:19.000 Do you have any reporting on these Discord servers being very active, being militant before 911 or 910?

00:27:29.000 We do have some screenshots that we didn't release yet.

00:27:32.000 We have further evidence that we will be releasing soon.

00:27:36.000 But some of the things we were able to collect were different organization chats preparing to violently protest Charlie Kirk's visit.

00:27:46.000 And some were planning on throwing water balloons down from the balcony.

00:27:51.000 And doing other things like that.

00:27:52.000 So far, we haven't uncovered any evidence that anyone in these student clubs knew about the assassination attempt.

00:27:59.000 But we do know they were planning some violent resistance to it and were stopped basically by security, not allowing people on the balcony.

00:28:08.000 Fortunately, although unfortunately, that security did not stop Tyler Robinson.

00:28:13.000 Yeah.

00:28:17.000 It's a really strange phenomenon.

00:28:21.000 In some ways, I liken it to what happened after October 7th, right? 0.85

00:28:25.000 You got Hamas that kills over 1,200 Israelis, and it seems to embolden people. 0.59

00:28:31.000 These vicious acts of murder, in that instance, terror, it emboldened the protest movement, this pro Palestine movement in the United States, on college campuses, and internationally.

00:28:46.000 And you see the same at UVU's campus where they've almost become.

00:28:51.000 More vitriolic, more vile, more violent.

00:28:54.000 This ideation, talking about getting trained up in guns. 0.99

00:28:57.000 The trans community wants to get trained up in guns in your reporting. 0.92

00:29:02.000 It's a very troubling phenomenon that when something so vicious and vile and evil happens in their midst, that instead of being cowed by it or rethinking their lives, they see it as a rallying cry to double and triple down on evil. 0.92

00:29:19.000 I want to talk about this, though, and Blake, I'd love your input on it as well.

00:29:23.000 This.

00:29:24.000 Phenomenon that we witness when something terrible, vile, evil happens, something so tragic, something so just awful in every conceivable way.

00:29:34.000 And yet, instead of kind of taking a step back, maybe moderating their tone, their rhetoric, their signage, their Discord servers, they're getting increasingly aggressive, increasingly vitriolic.

00:29:48.000 Did you get any sense of why or how that is?

00:29:54.000 I get the sense that these students saw the assassination of Charlie Kirk as a victory for their cause.

00:29:59.000 And I know that's insane to think that they saw the assassination of a husband and a father and a really peaceful, America loving guy as a victory.

00:30:09.000 But I think they did.

00:30:10.000 And I think we saw that in a lot of the immediate reactions to it online in the days and weeks after Charlie Kirk's assassination.

00:30:19.000 I will never forget, as someone who I wasn't there personally, but it was right down the road from my university, BYU.

00:30:25.000 And I had many friends there, and it deeply impacted me personally as someone who started a TPUSA chapter at my high school.

00:30:33.000 I just remember the depression I sank into when I saw the level of jubilation online from certain people.

00:30:39.000 And I think those people are the same people running these student organizations that you view.

00:30:45.000 Blake?

00:30:46.000 I just.

00:30:49.000 What's behind that impulse?

00:30:51.000 Yeah, I guess that's actually a good question to ask.

00:30:54.000 What do you.

00:30:55.000 I mentioned that with the video you showed where it's.

00:30:58.000 To me, at least, it's just so obvious that someone like that is bad news.

00:31:03.000 They don't behave the way a normal person behaves in conversation when talking about politics.

00:31:10.000 They have this hateful lust towards violence.

00:31:16.000 Do you back me up on that?

00:31:17.000 Do you agree with that?

00:31:18.000 Do you see this in a lot of these creatures on the radical left?

00:31:22.000 There just seems to be something off about them.

00:31:24.000 Yeah, there certainly does.

00:31:25.000 You saw this in a recent video that went viral of a woman wearing a shirt that said, Make America Kind Again, viciously beating an effigy of Donald Trump with a bat at a protest.

00:31:36.000 I think a lot of people have this sort of deep mental, like cognitive dissonance that makes them feel like they're virtuous when really what they're promoting is deeply, deeply immoral.

00:31:50.000 Yeah, and I think that's right.

00:31:52.000 And you see it reflected.

00:31:53.000 It's a topic we've discussed on this show multiple, multiple times now, but it bears repeating that there is a dehumanizing language and ideology wrapped in kind of a grotesque moral projection that's coming out of the left, where they are wrapping a rationalization for violence, political violence, in a moral framework that no Christian could ever recognize, that nobody in traditional Western culture would recognize,

00:32:22.000 where they believe that it's Justified, and you saw that in that clip that we played where he's saying, I'm glad he's gone.

00:32:31.000 What he's saying underneath that is that I'm glad Charlie was murdered.

00:32:35.000 I'm glad that this person that I disagree with politically was taken out.

00:32:41.000 And I have a moral framework that justifies that.

00:32:44.000 And the polling reflects that.

00:32:45.000 Increasingly, on the left, there are people that believe that it's justified.

00:32:50.000 We've showed the poll again and again, but YouGov Economist did a poll just after Charlie's assassination, September 13th through the 15th.

00:32:58.000 I would have Presumed that people would have been shocked and horrified by what happened at UVU and that that number would have dropped.

00:33:06.000 Perhaps it did.

00:33:07.000 Perhaps it went up.

00:33:08.000 I don't know.

00:33:08.000 Based on your reporting, maybe it just sort of revealed what was already there.

00:33:13.000 But it showed just under 30% of 18 to 39 year old self described progressives believe that political violence is justified.

00:33:20.000 And only about 3 to 5%, depending on the cohort, of the same age group of conservatives believe the same, which is still too high, candidly.

00:33:28.000 But it's not 30%. 0.79

00:33:30.000 And we see that this Bella Chow becoming a thing that they all see. 0.71

00:33:36.000 There's the graph.

00:33:36.000 You can see that far left blue node up at the top there.

00:33:41.000 Nearly 30% of 18 to 39 year olds believe political violence is justified.

00:33:47.000 And I think that's what your reporting has just revealed here is that instead of even giving us the, I'm sad it happened, he didn't deserve it, that shouldn't have happened, they don't do any of that.

00:33:59.000 They just like, Bella Chow, let's go learn how to use firearms.

00:34:03.000 Fascism is coming, it is knocking at our door.

00:34:05.000 What do you think they are consuming, Kimball, at UVU and maybe in Utah across the country?

00:34:12.000 But it does seem UVU has a particular problem here.

00:34:15.000 What are they consuming?

00:34:16.000 What are they telling themselves to radicalize them like this?

00:34:19.000 Yeah, you make a good point that at my university, which is right down the road, Brigham Young University, we don't see the same level of violent rumination.

00:34:27.000 I think what they're consuming are what Jonathan Haidt and Greg Lugianoff described as like the three great untruths.

00:34:34.000 That my generation is learning the untruth of fragility.

00:34:36.000 These kids are being taught from a young age in the education system that they're fragile and that opinions or ideas that they don't like are harmful to them.

00:34:45.000 They're also being taught the untruth of emotional reasoning that when they think with their heart instead of their head, they can be right because they feel right.

00:34:53.000 And if it feels right to do something, then it is right, that that's what morality is based on.

00:34:57.000 And then they're being taught the untruth of us versus them.

00:34:59.000 They're being taught that the world is divided into good and bad people, and the bad people are the people that disagree with them, and that if those bad, evil people Are defeated, then they are the good guys.

00:35:10.000 We have a joke where we call some of these clubs the anti bad guy, good guy clubs because they think of themselves as revolutionaries against evil people.

00:35:19.000 They don't have the moral ability to understand the nuance that there are good and bad ideas everywhere, that everyone has a little bit of good in them and a little bit of bad in them.

00:35:28.000 They see themselves as good and virtuous and others as bad and evil.

00:35:32.000 And so that allows them to justify violence and ultimately murder.

00:35:37.000 Kimball Call, lead editor of the Cougar Chronicle.

00:35:39.000 I think that was well stated.

00:35:40.000 Thanks for coming on.

00:35:41.000 Thanks for your reporting, Kimball.

00:35:43.000 Thank you.

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00:37:31.000 Want to change our topics here, but it is related, and we've got Miranda Devine on the show to help us discuss it.

00:37:37.000 Trump's counterterrorism strategy targets violent left wing extremists with transgender ideology, among other things.

00:37:45.000 The strategy focusing on left wing groups reverses the Biden era concentration on right wing extremism.

00:37:52.000 Miranda Devine, you were at the New York Post.

00:37:55.000 A very celebrated author, the big guy, laptop from hell.

00:38:00.000 Welcome back to the show, Miranda.

00:38:02.000 Thanks a lot.

00:38:03.000 Thanks very much, Andrew, and everyone there.

00:38:05.000 So, you're doing some reporting on this change of policy, and I saw it percolating in the news, and I think it's extraordinarily noteworthy and important.

00:38:17.000 Tell us, in broad strokes, this change, who's leading it, and what does it entail?

00:38:23.000 Well, it's being led by Dr. Sebastian Gorka, who's President Trump's new counterterrorism czar.

00:38:29.000 And it's a departure from the very sinister Biden administration's national strategy on counterterrorism because it, instead of going after Catholics at traditional mass or parents at school board meetings, I mean, I'm only slightly exaggerating there.

00:38:49.000 The Biden administration was going after domestic terrorists, which Joe Biden told us repeatedly was ultra-magga semi-fascist, people who supported Donald Trump.

00:39:00.000 And this time Gorka has reoriented counter terrorism under President Trump's orders from last September.

00:39:09.000 He signed a document to say that this should happen.

00:39:13.000 We're looking at hard threats against national security.

00:39:16.000 That would be cartels, Islamic extremists, and domestic terrorists, but actual violent actors that include explicitly Antifa.

00:39:28.000 Antifa and Trantifa, it looks like.

00:39:30.000 Here's a tweet from Andy Noe.

00:39:32.000 He said Leftists and liberals are raging that the new U.S. counterterrorism strategy names Antifa and Trantifa for the domestic terrorist threats that they are.

00:39:43.000 This is a huge, huge topic for us, obviously, because Charlie was assassinated by somebody that had a romantic relationship with a trans identifying person in Utah.

00:39:56.000 It's something that we've seen. 0.99

00:39:58.000 There was the armed queers of SLC. 0.99

00:40:01.000 There's recent reporting out of Denver of similar groups arming up.

00:40:05.000 There was a report just last segment that we did with the Kruger Chronicle and Kimball Call, where he's pulling Discord chats of other trans activists getting armed, learning how to.

00:40:16.000 Shoot their rifles and this sort of thing.

00:40:18.000 This is an epidemic that people, I don't think, focus enough on.

00:40:23.000 It's just the violent ideation that seems to be prevalent in this community.

00:40:28.000 Miranda, is this something that Sebastian Gorka and others seem to be fully cognizant of?

00:40:35.000 Well, 100%.

00:40:36.000 And it's explicitly mentioned in this new counterterrorism strategy.

00:40:42.000 I'll just quote it to you.

00:40:45.000 As real threats were ignored or underplayed, Americans have witnessed.

00:40:50.000 The politically motivated killings of Christians and conservatives committed by violent left wing extremists, including the assassination of Charlie Kirk by a radical who espoused extreme transgender ideologies.

00:41:06.000 So they are explicitly looking at this.

00:41:09.000 And I will just say that you said it's something we haven't focused on previously.

00:41:14.000 In fact, it was actively ignored under the Biden administration and by the media, which downplayed.

00:41:21.000 Lied and police hid things like one of the transgender shooters who shot up a Christian children's school.

00:41:32.000 His manifesto was kept secret for a very long time for no reason because other manifesto has come out immediately.

00:41:41.000 It's just to, I don't know what, appease terrorists.

00:41:48.000 I guess it's just very refreshing.

00:41:50.000 I want to read the exact quote from it where it says in the strategy in addition to cartels and Islamist terror groups, where Prioritizing the rapid identification, neutralization of violent secular political groups who are anti American, radically pro transgender, and anarchist.

00:42:06.000 And it would be fascinating.

00:42:09.000 I wish it was longer.

00:42:10.000 It's only a 16 page strategy, and it really only mentions the left a handful of times.

00:42:15.000 But I would love to see a document building this out because it does strike me as a new threat.

00:42:20.000 If you go on Discord, which you can easily do, you can find these things.

00:42:27.000 These groups and they really feed on each other in a way that a lot of online groups don't.

00:42:32.000 That they get radicalized by it's very common online. 0.76

00:42:37.000 You can see this on Reddit where you'll see transgender people say, like, they want us dead, they're committing genocide on us. 0.66

00:42:44.000 It's this extremely hyperbolic rhetoric and it's unchecked. 0.68

00:42:49.000 And on top of that, it's sort of like they're almost getting this weird letdown.

00:42:54.000 We're suffering from the fact that we won this culture war topic and they were kind of above criticism, they were almost a sacred.

00:43:01.000 Thing for a few years, and then suddenly it's like they're getting yanked away from it.

00:43:05.000 It's almost like a political version of the way they flip out if someone misgenders them.

00:43:10.000 Yeah, well, it's interesting. 1.00

00:43:12.000 We've got this B roll here of Ermia Fanayan. 1.00

00:43:16.000 She's the leader of Armed Queers SLC, Miranda. 0.99

00:43:19.000 I don't know if you can see it, but she's posing with what looks to be some sort of large robot.

00:43:27.000 I can't see it, it's far enough away.

00:43:30.000 She's posing with Elizabeth Warren.

00:43:33.000 And these are politically connected people that are celebrating an.

00:43:38.000 armed resistance to Blake's point of what they consider an existential threat to their future existence?

00:43:44.000 Yeah, look, I was doing a column recently and I need to expand on this, but in the course of my research into the Southern Poverty Law Center, which is now under indictment for funding neo Nazi groups and so on, which I believe they were doing to sort of drum up extremism on the right.

00:44:09.000 That didn't exist, that was shrinking, that was going away if it ever was a big threat.

00:44:15.000 And at the same time, they were defaming and smearing and putting on their hate list people like Charlie Kirk, who are moderates, who are conservatives, but who posed a threat to the left wing project, to the revolution.

00:44:31.000 And so, you know, Charlie, as you know, was placed on the Southern Poverty Law Centre's hate list.

00:44:40.000 Shortly before he was assassinated, basically putting a target on his back, I would allege.

00:44:47.000 Anyway, in the course of my research, I found just, I have to back this up, so I'm just telling you the preliminary research, but there was a transgender, you know, one of these armed queer activists who was involved in the Southern Poverty Law Center around Christians and around Turning Point USA. 0.60

00:45:14.000 So that was in the early days, a sort of a pilot project in Utah. 0.78

00:45:20.000 I find that extremely disturbing.

00:45:22.000 And I obviously need to back that up, but I have no reason to believe that it's not true.

00:45:30.000 Yeah, it's a deeply concerning trend.

00:45:34.000 And we've been seeing it a lot.

00:45:37.000 And it's starting to come into focus now.

00:45:39.000 And I'm so grateful that Sebastian Gorka and others are now focusing on it.

00:45:44.000 Miranda, I want to play this clip.

00:45:45.000 This was from Charlie was murdered on a.

00:45:48.000 Wednesday.

00:45:49.000 And by Monday, we ended up doing the show in the White House.

00:45:55.000 JD Vance graciously hosted the entire show that day and he interviewed Stephen Miller.

00:46:01.000 And I'm going to play this clip because it's something I think about a lot and I know it's something Stephen thinks about a lot.

00:46:06.000 Sot 10.

00:46:08.000 I've said this before, but it bears repeating.

00:46:12.000 The last message that Charlie sent me was, I think it was just the day before we lost him.

00:46:19.000 Which is that we need to have an organized strategy to go after the left wing organizations that are promoting violence in this country.

00:46:25.000 And I will write those words onto my heart and I will carry them out.

00:46:30.000 If people ask me what emotions I'm feeling right now, this is something people say, I mean, you kind of know the answer.

00:46:35.000 There's incredible sadness, but there's incredible anger.

00:46:39.000 And the thing about anger is that unfocused anger or blind rage is not a productive emotion.

00:46:46.000 But focused anger, righteous anger, directed for a just cause, is one of the most important agents of change in human history.

00:46:53.000 So that Stephen Miller, something I've thought about a lot, Miranda, that Charlie's final text to him was talking about the need to go after these left wing groups.

00:47:02.000 It begs the question, Miranda, though, because something Blake and I have talked about is so much of this ideology is diffused.

00:47:11.000 It's decentralized.

00:47:12.000 It's across Discord servers.

00:47:13.000 In fact, I would say this might be a particularly strong case of it. 0.90

00:47:18.000 We were talking in the break about who a lot of these radical transgender people are, the ones who've done shootings, and a lot of them are. 0.93

00:47:25.000 They're troubled men who have kind of fallen for a mental, social contagion. 0.65

00:47:30.000 A lot of them are on the spectrum.

00:47:33.000 They're highly medicated.

00:47:34.000 Yeah, they're highly medicated.

00:47:35.000 Uh, Transgender leaning individuals are a lot more likely to be autistic.

00:47:39.000 They're vulnerable to taking a lot of things highly literally or taking things to an extreme that most people wouldn't.

00:47:47.000 So they're the ones who hear rhetoric that says, you know, they're killing us, they're committing genocide, and normal people hear that and they filter out, they go, okay, they're saying something extreme to make a rhetorical point or get a rise out of people.

00:48:00.000 These individuals take it literally.

00:48:02.000 And we can look at the alleged shooter in Charlie's case where.

00:48:06.000 He has these text messages where he says some hate can't be negotiated with.

00:48:10.000 And he seems to have been this quiet guy, but then he seems to have been radicalized in some extreme direction by what he was reading on the internet.

00:48:19.000 So, how do you deal with something that's this decentralized and this diffused through social media?

00:48:26.000 Well, what the counter terrorist strategy says and what Sebastian Gorka told me when I interviewed him last week, that interview will be out tomorrow morning, he says, That they will use all the tools, I'm quoting here, constitutionally available to us to map these groups at home, identify their membership, map their ties to international organizations like Antifa,

00:48:52.000 and use law enforcement tools to cripple them operationally before they can maim or kill the innocent.

00:48:59.000 They're also going after, he said to me, the funders of these groups because they don't operate in a vacuum.

00:49:07.000 My theory has always been with all these.

00:49:10.000 Whether it be Antifa back in the summer of love 2020, or it's morphing into this transgender extremism, I don't think it's an accident. 1.00

00:49:22.000 This is really political actors, malevolent, sinister, political, shadowy actors who are preying on the vulnerable. 0.98

00:49:31.000 I do think that you just described who a lot of these transgender individuals are, and they really are to be pitied because their problems.

00:49:42.000 Have been weaponized to use as a political weapon because I guess they're protected.

00:49:49.000 That's the other sort of politicization of it.

00:49:54.000 They have become sort of a protected category of violent extremists.

00:49:58.000 And you see that with, you know, formerly august media institutions like the New York Times publishing stories in which they deliberately confuse and blur the fact that these.

00:50:13.000 People are transgender, or that you know, a woman they say who shot up a classroom is actually a man.

00:50:21.000 You know, they won't do that, and this is all conspiring to confuse and blur the boundaries between crime and mental illness and somehow excuse this as not a trend. 0.70

00:50:35.000 We're not allowed to see that there's a trend, we just have to think, oh, that's just some isolated crazy, but I don't think it isn't, and I don't think it's fully organic.

00:50:45.000 I think that there's The unique vulnerabilities of these people make them the perfect patsies, the perfect killers.

00:50:54.000 There's an article here that I'm reading right now.

00:50:59.000 It's called, it's from the Denverite.

00:51:02.000 And it's talk, it says Denver's queer gun club is booming, part of a national trend. 0.54

00:51:08.000 And the subhead reads this Miranda fears of political violence are pushing some Denverites to learn to shoot.

00:51:14.000 And these quotes are really interesting, where it says, you know, Mazzotti, who is queer, is fearful of mass shooting.

00:51:21.000 She's worried about government violence, and she's lost faith that the U.S. will ever pass gun control laws. 0.55

00:51:27.000 So she's decided that learning to use a gun herself was the next best thing.

00:51:32.000 Considering everyone has a gun, I don't think pepper spray would scare people away.

00:51:36.000 And it says that's common across the membership of Pink Pistols, whose local reach has doubled in the past few years.

00:51:43.000 So, the narrative that the Denverite is spreading is that these people fear for their lives so much that they're getting armed because they think the government's going to come after them.

00:51:55.000 I mean, perhaps this is sort of the Alex Pretty, Renee Good narrative out of Minneapolis spreading ice.

00:52:01.000 There seems to be a lot of overlap with anti ice.

00:52:04.000 Rhetoric with these groups.

00:52:06.000 But it does seem that, you know, they're teaching themselves, they're working themselves into a lather, to Blake's point, and they're taking it very literally that they think, you know, the government's going to come after them or conservatives are going to try and kill them, which there doesn't seem to be any proof at all of either point. 0.98

00:52:24.000 But it doesn't matter because it just feeds into the sort of left wing soup that Donald Trump and his administration and any conservatives, anyone who supports him, Are fascists and are out to get you and will pull you out of your bed and, you know, throw you in a dungeon just because you're transgender. 0.93

00:52:46.000 But, you know, to do something serious about this is you do have to go follow the money, the classic story. 0.61

00:52:54.000 And, you know, Sebastian Gorka mentioned specifically this multi millionaire, maybe billionaire Neville Roy Singham.

00:53:04.000 Fox Digital has done very good work tracing.

00:53:07.000 His funding of a lot of these radical groups.

00:53:10.000 Now, this is someone who made his money in the United States and now lives in China.

00:53:17.000 So, you have to wonder also what kind of a role do our foreign adversaries play in sort of whipping up unrest and discord in social media platforms.

00:53:30.000 Yeah, Miranda, we got to wrap it up there. 0.56

00:53:32.000 This was fantastic.

00:53:33.000 Great update on a very important topic.

00:53:35.000 We appreciate you making the time.

00:53:38.000 We'll talk to you soon.

00:53:39.000 Thank you.

00:53:39.000 Bye bye.

00:53:42.000 In honor of America's 250th birthday, our friends at Alliance Defending Freedom are inviting you to commit to five days of prayer for America.

00:53:51.000 Since its founding, America has been sustained by the prayers of its people.

00:53:55.000 Through our highs and lows, Americans of faith have turned to God for wisdom, guidance, and strength.

00:54:01.000 And so, as we prepare to celebrate 250 years of freedom, ADF is asking believers like you and me to join them in dedicated prayer for our country, thanking God for how He has worked in the past.

00:54:13.000 And asking him to prepare us for what's ahead.

00:54:15.000 Commit to pray for America by signing up today.

00:54:18.000 For the next five days, you'll receive daily text messages and emails with specific prompts and insights about the issues facing our country and how you can pray about them.

00:54:27.000 Visit joinadf.comslash charlie to sign up to pray today or text pray250 to 83848.

00:54:37.000 That's pray250 to 83848 to opt in.

00:54:43.000 Without further ado, here, very excited.

00:54:47.000 This is something we've been planning for a little while.

00:54:48.000 This is Lane Schoenberger, who is the Chief Investment Officer of Y Refi.

00:54:54.000 I got it all in.

00:54:55.000 Chief Investment Officer, which is a heck of a title, by the way.

00:54:59.000 You know, you guys have been such a great partner of Turning Point.

00:55:04.000 Charlie loved you guys.

00:55:06.000 You guys had a really special connection, a really special bond.

00:55:10.000 So it's an honor to have you in the studio, Lane.

00:55:12.000 You guys do so much over at YRefi.

00:55:14.000 So just tell the story about your company and all the great work you do.

00:55:20.000 Oh, thank you.

00:55:20.000 And it's a pleasure to be here.

00:55:21.000 So thank you for having us.

00:55:22.000 It's an honor to have you.

00:55:24.000 You know, and You know, being friends with the Turning Point crew and with Charlie has been remarkable on so many levels, and it's a real joy.

00:55:32.000 So, you know, why refi?

00:55:35.000 What we discovered was there's a problem in the world that it doesn't choose sides, right?

00:55:42.000 It's the student loan problem.

00:55:44.000 And, you know, as of right now, we're in a situation where student loans are $1.85 trillion.

00:55:51.000 Is it that high now?

00:55:52.000 It's that high.

00:55:53.000 And, you know, back, I'll just give you a quick timeline.

00:55:55.000 If you look back in history, 2006, 2007, total student loan debt was about $685 billion, which sounds like a lot of money, but compared to today, it's nothing.

00:56:07.000 And during the Obama administration, education finance was all brought back into the Department of Education, and the problem exploded.

00:56:16.000 And now it's $1.85 trillion, most of which is federal.

00:56:19.000 However, there are a lot in private student loans into the billions.

00:56:23.000 About $200 billion of that is private student loans.

00:56:27.000 What's really interesting is, and the reason we've created Why Refi is, we discovered that there is a situation out there where federal loans, there's all kinds of options to help people defer payments, get their payments down under income driven repayment plans, different options for them to put in forbearance.

00:56:46.000 But when it comes to private student loans, there are no options for these borrowers.

00:56:50.000 If they go into default, delinquency, and ultimately default, the option is garnishment of wages after a court hearing.

00:56:57.000 That's the end, that's the outcome.

00:56:59.000 And what we discovered is that, you know, there's a problem here.

00:57:03.000 There's a broken system that someone needs to fix.

00:57:07.000 So we came up with a way to fix that problem, and it's working just beautifully.

00:57:10.000 And that's, I think, one of the reasons Charlie loved it.

00:57:12.000 You almost said beyond your wildest imaginations or expectations.

00:57:15.000 You almost said it.

00:57:16.000 Because it really is, it's a remarkable thing.

00:57:19.000 Because it's working so hard.

00:57:20.000 It's because so many people desperately needed it.

00:57:23.000 And, okay, so I visited your offices, and, you know, David gave me a tour around.

00:57:30.000 It was remarkable.

00:57:31.000 You've done the same with Charlie at I didn't even realize it when they're showing me the video here, and we'll show it in just a second.

00:57:36.000 But you guys really impressed upon me the fact that these students or the parents of the students call you and they're suicidal sometimes or they're so depressed they can't get out of bed because of this broken system.

00:57:50.000 Just dive into that piece of it a little bit.

00:57:52.000 So it's a sad but true fact.

00:57:56.000 The borrowers that are calling are in a very, very bad situation, one that they have no way out of.

00:58:03.000 There's no solution to the problem until now.

00:58:06.000 And because of that, about 70% of these folks have a co borrower.

00:58:09.000 So, mom, dad, grandma, grandpa, someone co signed that loan with the borrower.

00:58:13.000 So, they're all looking for a solution.

00:58:16.000 In a lot of cases, grandma and grandpa, whoever co signed that loan, they don't even know there's a problem until the collection calls start.

00:58:23.000 And when that happens, it makes for very awkward conversations in families, creates a tremendous amount of strife.

00:58:29.000 And, you know, I didn't realize how bad that problem was until we did our very first borrower testimonial, where she explained to us that.

00:58:37.000 She was considering a suicidal option.

00:58:39.000 That was the choice that she was going for until we fixed this problem for her.

00:58:43.000 And since then, we've done multiple testimonials with borrowers where I've heard that multiple times.

00:58:49.000 And it's not just suicide, it's things like I'm delaying the starting of my family, right?

00:58:54.000 It's a huge problem.

00:58:55.000 They're delaying having kids. 0.99

00:58:55.000 They're delaying marriage. 0.99

00:58:57.000 They're all of these things.

00:58:58.000 This is just this massive roadblock that has been created for these young people.

00:59:03.000 And it's not out of choice.

00:59:05.000 I mean, they did make the choice to take the student loan and go to get this education, but they didn't choose to get into the bad situation that it led to, right?

00:59:13.000 They came out of school, something went wrong, right?

00:59:16.000 So, you know, at YREFI, we've created some very unique things.

00:59:21.000 At least we've been told it's unique.

00:59:22.000 And what I mean by that is our student loan advocates are on those phones and they're taking those inbound calls and they never know what they're going to get.

00:59:28.000 It could be someone who's just overwhelmed with the anxiety and pressures of dealing with this.

00:59:34.000 So, we've got resources.

00:59:35.000 You know, there's the typical HR resources, which we love our HR team.

00:59:38.000 They do a remarkable job.

00:59:39.000 But we put in house, we have an on staff chaplain.

00:59:42.000 His job all day is to be there to listen, to consult, pray, talk, whatever they need.

00:59:48.000 And then, of course, you give them other things like a ping pong table or a pool table.

00:59:51.000 And you'll see it in the video, I believe, because they just need to go walk away and go smash a ball.

00:59:57.000 Just do something to refocus.

01:00:00.000 And then they go back to the phones.

01:00:01.000 And I tell you, our employees absolutely love helping these people.

01:00:04.000 And you can tell by the Google reviews, we're over 500 reviews, 4.9 stars.

01:00:09.000 And when these people are writing in, they're writing stories.

01:00:13.000 This is Charlie at your office.

01:00:15.000 That's Charlie at our office.

01:00:16.000 Yeah, it was a great opportunity.

01:00:17.000 It's one of the things I love saying that we say they have people you can call in the U.S.

01:00:24.000 I think being able to call real people in an office in the United States has become a secret weapon.

01:00:31.000 It really has.

01:00:32.000 It really has.

01:00:32.000 Yeah.

01:00:32.000 We don't have a phone tree.

01:00:33.000 You call in and you'd Immediately, you're connected to a human being right here in Phoenix, Arizona, that wants to hear your story.

01:00:39.000 Well, it's the type of company, by the way, where you see Charlie, he's driving up to the office, but where I noticed that your staff lined up to shake his hand.

01:00:49.000 Yes.

01:00:51.000 That's the kind of company that you guys have that Charlie Kirk comes into your office and they're so excited to see him and honored to have him there.

01:00:58.000 Right.

01:00:59.000 They were excited to meet him.

01:01:00.000 And, you know, we didn't make a big deal out of him coming beforehand.

01:01:04.000 We just wanted everybody to be focused on point.

01:01:08.000 And when he showed up, we said, Hey, everybody, we just want you to know we have a special guest in the office if you'd like to meet him.

01:01:13.000 And it was just overwhelming, the response, right?

01:01:17.000 And Erica has come in since then, and it was the same story where we didn't make a big announcement.

01:01:21.000 We didn't want everybody all distracted by anything.

01:01:24.000 It was just, Hey, Erica's here.

01:01:25.000 Do you want to meet her?

01:01:26.000 And it was the same thing as Charlie, right?

01:01:29.000 People just love to meet people that are out there doing good.

01:01:33.000 And, you know, the reason that Charlie and Erica both embrace and love what we're doing is we're helping fix a problem that it.

01:01:44.000 It doesn't pick sides.

01:01:46.000 This is a problem that is for everyone that's dealing with this.

01:01:49.000 Everyone in the country knows someone with a student loan.

01:01:53.000 The statistics are 45 million Americans have student loan debt, and what the government doesn't really talk about is the fact that about 70% of their portfolio is a co borrower.

01:02:03.000 Well, that makes it about 70 million Americans have student loan debt.

01:02:06.000 It's a big deal.

01:02:08.000 And you talk about the putting off of family formation, buying homes, getting started on the American dream.

01:02:14.000 And so, what we've sold to so many of these students, and Charlie articulated the college scam so brilliantly, we've sold this false bill of goods where this piece of paper is going to give you everything you hoped and dreamed for, only to find out you're saddled with this debt.

01:02:28.000 You can't get a job in the field that you studied half the time.

01:02:31.000 And then, if you are lucky enough to do that, it takes the next decade of your life or more to pay it off.

01:02:39.000 And that's only if you're lucky enough to graduate, which a lot of them don't graduate.

01:02:42.000 A lot of students take on a bunch of student loan debt and they drop out.

01:02:45.000 And then they change careers.

01:02:47.000 They change careers.

01:02:48.000 The piece of paper means nothing eventually.

01:02:50.000 Meanwhile, you've got plumbers, electrician, HVAC repair guys.

01:02:54.000 These guys are building businesses where they're making hundreds of thousands of dollars, no student loan debt, family formation, buying homes, buying properties, doing all the things that we think you should be able to do as an American.

01:03:08.000 And so, Charlie was dead set on that.

01:03:09.000 So, you found the perfect vehicle for the perfect product at the perfect time.

01:03:14.000 Yeah.

01:03:15.000 Let's go ahead.

01:03:16.000 Well, I was finding myself, I think it'd be, this might be too big of a question, and I don't want to put you on the spot, but you've been up close to it.

01:03:16.000 Oh, go ahead.

01:03:23.000 You've mentioned why the, Government sector of student loans.

01:03:26.000 I was wondering, do you have thoughts?

01:03:28.000 How would you, if you could reset the student loan system from scratch, how would you do it so that we don't have a $2 trillion debt bomb for young people?

01:03:36.000 The first part is you've got to get the government out of the lending business.

01:03:39.000 I mean, that's step number one.

01:03:40.000 Get them out of the lending business, put it back into the private markets where it belongs. 0.97

01:03:44.000 Capitalism will fix it.

01:03:45.000 It always does.

01:03:47.000 So that's step one.

01:03:48.000 And then what you've got to do then is look back at what we've currently done to these students and come up with a solution.

01:03:55.000 What we're doing at Y Refi is working so well in the private market.

01:03:58.000 If we could apply that model to the federal portfolio, we could wipe this problem out in short order.

01:04:06.000 It's the government, right?

01:04:07.000 There's a lot of hands in that cookie jar, a lot of decision makers, a lot of decision makers that don't make decisions.

01:04:12.000 We could go on and on about that.

01:04:13.000 I don't want to waste the time here for that.

01:04:15.000 But we've built something that's working exceptionally well.

01:04:19.000 Borrowers love it, investors love it, the lenders, servicers, agencies that hold the debt, they love it because it's working.

01:04:25.000 It gets them paid quickly so they can move on and lend that money out to someone else.

01:04:29.000 To your point, Andrew, right now about 50% of our portfolio is made up of teachers and nurses.

01:04:36.000 Because they come out with all this debt and then they find themselves starting at the bottom of the ladder and have to work their way up.

01:04:42.000 They don't come out making substantial money.

01:04:44.000 How long is the average payoff period of a nurse's student loan debt?

01:04:49.000 Before Y Refi or after?

01:04:51.000 Just before.

01:04:51.000 Before Y Refi, over 20 years.

01:04:53.000 Our average is 10.2.

01:04:55.000 My gosh.

01:04:56.000 I mean, it's terrifying when you look at it.

01:04:58.000 There are people who, even if they make money, they pay and they only cover interest.

01:05:02.000 It just never goes down.

01:05:03.000 There's $300 billion of this type of debt, right?

01:05:03.000 Exactly.

01:05:06.000 In the defaulted, about $45 billion, $45 to $50.

01:05:09.000 Got it.

01:05:09.000 Okay.

01:05:10.000 So if somebody has privacy of the loan debt and they're making casual payments, they're not a candidate.

01:05:14.000 So we get people all the time, they're hanging on by their fingernails.

01:05:17.000 But they're not defaulted yet.

01:05:19.000 You still could take them?

01:05:20.000 If they're early stages of delinquency or late stages of delinquency, people will come with us.

01:05:25.000 And so we run a full analysis so we know right away where they stand.

01:05:28.000 Once we know where they stand, we structure every single deal is different for every borrower.

01:05:33.000 What's the latest we've taken someone, right?

01:05:35.000 Before a week, before court?

01:05:36.000 Oh, yeah.

01:05:37.000 We regularly will have people have summonses.

01:05:38.000 Because their only outcome is garnishment of wages, you know, judgment and garnishment.

01:05:43.000 That's the outcome.

01:05:44.000 So if we can get to them before they get to that, it destroys their lives for many, many years to come.

01:05:50.000 They got out of school, they fell behind, and then never had a chance.

01:05:53.000 They had bad credit.

01:05:55.000 That was a cool, cool video, actually.

01:05:57.000 I've never seen that before.

01:05:58.000 All right.

01:05:59.000 So, Lane, you've got this, you're helping students, but you're also working on the investment side, which is what we're talking about lately, where you offer up to 10.25% fixed interest, which is.

01:06:12.000 I was telling you in the break, I was like, I remember going to college, it was like, you got to assume a 6% rate of annual return over the long term.

01:06:19.000 And I was like, well, what if you could get 10%?

01:06:21.000 Like 10.25% is incredible.

01:06:22.000 So tell us about that side.

01:06:24.000 So, yeah, on the investment side, you know, we raise the capital that we need from private investors, accredited investors.

01:06:30.000 We don't take any institutional capital, no Wall Street money.

01:06:33.000 We want America to succeed in helping other Americans.

01:06:37.000 So, what we do is we've got five different investment options a one year note that pays 6.5%, a two year note that pays 7%.

01:06:44.000 A three year that pays 7.75, a four year at 8.25, and a five year note at 10.25.

01:06:50.000 Been paying these interest rates for years.

01:06:53.000 What we do is we calculate interest daily and we make monthly payments of interest only to the investor.

01:06:58.000 And then we give the investor a lot of options where they can turn that interest income on or off, up or down, as often as monthly.

01:07:04.000 So tons of flexibility to the investor.

01:07:07.000 There's a limited liquidity feature.

01:07:08.000 So if the investor needed their money back early, they put in a request at our, well, if we approve it, we've never taken longer than 30 days to approve.

01:07:17.000 I have to say that.

01:07:19.000 You get your money back, and what we do is we give the investor credit for the amount of time they were invested as a percentage of what they agreed to.

01:07:26.000 So, for example, if you're in the one year note and say six months in or 50% of the way through, you keep 50% of the interest up to that point in time.

01:07:34.000 Great.

01:07:34.000 Same math on a five year note.

01:07:36.000 We have a roll up feature.

01:07:37.000 So, if you invest in the one, two, three, or four year note, you can, at the end of your term, lock in your interest and roll up to anything longer and finish out that term at the higher interest rate.

01:07:46.000 It's very, very, again, all.

01:07:49.000 Unique, and we've created this for the benefit of the investor.

01:07:53.000 What did they want?

01:07:53.000 We gave it to them.

01:07:55.000 And we, again, we calculate interest daily and make monthly payments.

01:07:58.000 And, you know, I've given this example a few times because we've had it happen with other organizations where other investors, rather, where they want to give money to an organization.

01:08:09.000 So, a quick example if you were to invest a million dollars, that kicks out about $8,500 a month on average.

01:08:16.000 Because, again, we calculate daily, so it's going to vary month over month.

01:08:20.000 Take out some taxes for that.

01:08:21.000 Let's say it's $8,000 net to the investor after taxes.

01:08:25.000 Well, we've set our system up where you can actually send that money directly to the organization of your choosing.

01:08:30.000 So we've suggested, for example, maybe you split that payment.

01:08:33.000 Send $4,000 to Turning Point, $4,000 to your church, whatever it is that you want to do.

01:08:37.000 We can do that right there in our system.

01:08:39.000 It's very, very unique.

01:08:41.000 But it gives the opportunity for you to support not just Y Refi, but other organizations that might be something important to you, right?

01:08:47.000 And it's important to remember all of this is helping the student loan.

01:08:51.000 Right.

01:08:51.000 Right, you know, people that are struggling to start their lives, and that fact you dropped at the end of the I'd not heard that before 20 years for the average nurse, 10 point, would you say 10 and a half years?

01:09:03.000 So, for Y Refi, our average uh loan is 10.2 years, and uh, you know, the our longest loan is only 20 years.

01:09:10.000 Our highest interest rate that we charge our borrowers is 5.19, average sits around four.

01:09:15.000 Wow, now this right here brings up the greatest question that we always get asked wait a minute, the math isn't mathing, right?

01:09:21.000 Yeah, you just said, is this an elaborate money laundering scandal?

01:09:24.000 No, no, it is not.

01:09:26.000 And how do you pay 10 and a quarter when you're collecting four from the borrower?

01:09:30.000 It doesn't make sense.

01:09:31.000 Well, I'll just give you the quick answer, and then I would encourage people to call in and we'll explain it in more detail.

01:09:36.000 But long story short, we settle the debt at a discount with the existing lender, service, or collection agency law firm.

01:09:42.000 Call it 40 cents on the dollar.

01:09:44.000 We then refinance that back to the borrower at 100 cents on the dollar.

01:09:48.000 We're not going to give them a discount.

01:09:49.000 We actually add in a 5% refinance fee.

01:09:51.000 We're not going to give them a discount on the face value of the loan.

01:09:54.000 You know why?

01:09:55.000 If we did, borrower gets hit with cancellation of debt income tax.

01:09:58.000 Now they have an IRS problem.

01:10:00.000 So, you don't want to do that to them.

01:10:02.000 We do share the discount with the borrower.

01:10:04.000 We just do it through a low fixed interest rate and a custom term built around their ability to pay.

01:10:10.000 So, the average interest rate hovers around 4%.

01:10:13.000 Average term hovers around 10.2 years, right?

01:10:16.000 So, we're sharing the discount.

01:10:18.000 We don't underwrite our borrowers on FICO, we underwrite them on real life.

01:10:22.000 And with that, we're able to escrow borrowers while we're underwriting them.

01:10:26.000 They're escrowing their payments with us so we can confirm they have the ability and willingness to pay us back.

01:10:31.000 Right, so we share our discount with the borrowers, and then we share, in essence, our spread with our investors.

01:10:37.000 So it's not to the detriment of the borrower, that's why it works.

01:10:40.000 This is why you're the chief investment officer, because that's complicated math, but it does make sense the way that you're able to make it work.

01:10:48.000 And I just, you know, you made this point that the capitalist system will find a way, it will find a solution.

01:10:54.000 And this is what you're talking about.

01:10:56.000 This is what I'm talking about.

01:10:57.000 Yeah, that there are solutions to our student debt problem.

01:11:01.000 But the federal government has to get out of the way.

01:11:01.000 Absolutely.

01:11:05.000 By the way, another reason that it's a huge problem that the federal government is involved in student loan debt is because it's.

01:11:10.000 Given these institutions, the college cabal, as Charlie used to call them, blank checks to keep increasing tuition, keep building that new building, keep building that new stadium.

01:11:21.000 All of that gets passed down to the students and their parents, and it creates this knock on effect, which again, we're having fertility issues, we're having lower marriage rates, we're having the lack of ability to buy their first home.

01:11:35.000 All of these are connected.

01:11:37.000 You bet there.

01:11:40.000 Entrepreneurs with some creativity come in and provide a solution, we could knock out a lot of this debt so much quicker.

01:11:46.000 Well, here's some interesting numbers right now, and this is why we're pushing so hard to raise the capital.

01:11:51.000 We're sitting on over just as of last night, just shy of 225 million dollars worth of borrowers in escrow, meaning borrowers that are those are new borrowers waiting for us to fund their loans.

01:12:04.000 Right?

01:12:04.000 We're moving through that process, we're working hard to get them approved.

01:12:08.000 We're intentionally slow in underwriting.

01:12:10.000 Gives us a chance to get to know them, a chance for them to get to know us, make sure we're going to work together.

01:12:16.000 And it works very well.

01:12:18.000 Now, I'll wrap up on this because it's kind of a fun thing.

01:12:20.000 We created a program called Ignite, it focuses exclusively on trade and technical schools.

01:12:25.000 And we launched it in October of last year.

01:12:29.000 We had built it and we were about to launch it, and we were about to share it with Charlie when all that happened.

01:12:34.000 So I never got the opportunity, but I know he'd be very proud of Ignite because of the fact that it's literally focused on tech and trade.

01:12:41.000 It's awesome.

01:12:41.000 It's all about getting those kids through the education that they need, get them out into the trades, making money without a massive amount of debt.

01:12:47.000 And we were able to fix yet another broken system.

01:12:50.000 All right, so where do people find you?

01:12:52.000 Go to investyrefi.com or call the 880 Invest.

01:12:57.000 Give us a ring there, ask any questions.

01:12:59.000 We're happy to talk about it, explain the product, explain the mission, and just enjoy who we are and what we do.

01:13:06.000 I love it.

01:13:08.000 Lane, this has been an education.

01:13:09.000 Lane Schoenberger, Chief Investment Officer of YRefi.

01:13:13.000 Check him out today.

01:13:14.000 Thank you.

01:13:19.000 For more on many of these stories and news you can trust, go to charliekirk.com.

The Charlie Kirk Show - May 12, 2026

The Radical Left Threat, Online and at UVU

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