Valuetainment - November 11, 2025


＂50 Year Mortgage＂ - Trump's RADICAL Housing Move IGNITES National Firestorm


Episode Stats

Length

19 minutes

Words per Minute

188.26825

Word Count

3,630

Sentence Count

375

Misogynist Sentences

2

Hate Speech Sentences

1


Summary

Trump administration working on a 50-year mortgage. 50 year mortgage is a play to lower monthly mortgage payments, but the downside is that all of that payment will be going to interest, and of course, since you're paying over 50 years, you're going to be paying off that mortgage for a lot longer.


Transcript

00:00:00.160 Housing director confirms administration working on a 50-year mortgage after Trump, hint.
00:00:07.260 Oh my God.
00:00:08.220 50-year mortgage? Yes. 50-year mortgage. What would it look like? Go ahead, Rob.
00:00:13.960 Trying to find an answer on affordability for housing,
00:00:17.120 which right now we're seeing one of the worst housing markets that we've seen in recent times.
00:00:22.120 And so the 50-year mortgage is a play to lower people's monthly mortgage payments.
00:00:26.920 But the downside is, especially early on, all of that payment will be going to interest.
00:00:32.600 And of course, since you're paying over 50 years and not over 30 years,
00:00:35.940 you're going to be paying off that mortgage for a lot longer.
00:00:38.820 So the details are still to be worked out,
00:00:41.060 but it looks to be like the president's looking for a quick fix to a market that is fundamentally broken right now.
00:00:46.900 Okay, so this guy's a Democrat, right?
00:00:48.340 Because you see in the back, if you zoom in on the books, you'll see the New Deal.
00:00:52.280 Go back a little bit, right?
00:00:53.540 You see it to the left, he's got the New Deal.
00:00:55.020 You can always tell what books they're reading.
00:00:57.100 Okay, do you know, while this guy's saying this, it's so funny,
00:01:01.520 do you know who came up with the 30-year mortgage?
00:01:04.580 Who?
00:01:04.900 Do you know who came up with the 30-year mortgage?
00:01:06.700 I want you to think about, can you, right there, Rob, can you pull that up?
00:01:10.760 Here's who came up with the 30-year mortgage.
00:01:13.220 FTR?
00:01:13.680 Yeah, FDR came up with the 30-year mortgage.
00:01:16.360 So did you say the same thing back in the day, Svelo?
00:01:18.780 I don't know what your name is, but, you know, well-spoken guy a minute ago.
00:01:22.280 Crashed.
00:01:22.560 So he did 30 years.
00:01:24.400 Trump's going to 50 years.
00:01:25.520 By the way, Tom, the question is, if you're a bank, if you're a bank, would you get into
00:01:32.260 the 50-year business game?
00:01:33.980 Would we do that knowing you're collecting the interest up front?
00:01:37.780 Would you entertain the 30 versus 50?
00:01:39.740 Because how do you set it up?
00:01:40.800 You still have to find a way to make it profitable for the banks, right?
00:01:43.560 Right.
00:01:43.820 So the bank has to get their money, or else there's no incentive for them to want to
00:01:47.800 sell this loan, okay?
00:01:49.540 What would be the incentive for banks to sell 50-year loans?
00:01:52.740 Well, as long as they felt that the underlying asset wasn't going to drop.
00:01:56.600 Now, so here's what the bank has to do.
00:01:59.540 Your house is a collateral.
00:02:01.000 You stop paying, Vinny.
00:02:02.140 I'm going to take your house.
00:02:03.140 I'm going to sell it to the next guy.
00:02:04.600 That's what a bank will do.
00:02:05.680 We'll auction it.
00:02:06.400 He'll auction it off.
00:02:07.220 Now then, what it means, Pat, is the first 10 years of that 50-year loan, the bank has
00:02:14.460 to underwrite it and be comfortable that that house won't decline in value.
00:02:19.280 You follow that?
00:02:20.140 Because not much will be paid off in 10 years, Pat.
00:02:22.640 Not much at all.
00:02:23.740 So if you and I, Tom and Pat's bank, and we do a 50-year mortgage, our underwriting has
00:02:28.740 to say, are we sure that house is not going to go down in these first 10 years?
00:02:32.680 Yeah.
00:02:32.880 Because if we have to seize the house and auction it, we've got to make sure that house
00:02:38.680 is worth more than the loan's worth.
00:02:40.940 So it makes the front-end underwriting has to be more certain for the banks.
00:02:46.420 But I just did a little analysis.
00:02:48.620 30-year, $400,000, $6.255, $2,462 is the payment.
00:02:55.860 50-year, $6.255, $400,000, $2,179.
00:03:00.740 So about a $300 difference on a $400,000 mortgage.
00:03:05.980 However, next to no principal is paid off in those first 10 years.
00:03:10.300 Very little.
00:03:11.500 And then it accelerates.
00:03:12.960 So for the banks, more people will qualify using standard ratios and measurements.
00:03:20.120 But the bank better be sure that those houses don't drop in those first 10 years.
00:03:24.540 Rob, go back to where you were at right there a minute ago.
00:03:26.640 Watch this.
00:03:26.960 So this is 30-year payment, 30-year loan, 360 payments.
00:03:30.720 Your main payment will be $2,684.
00:03:33.100 Total interest paid for was $466,000.
00:03:35.540 $40,000, $2,400.
00:03:37.620 So you save maybe $150,000, $130,000.
00:03:40.240 No, you save $270,000.
00:03:43.740 And eventually you end up paying $658,000, $200,000 more.
00:03:48.080 $200,000 a scam.
00:03:48.820 And then 50 years is $2272,000, which is $142,000 less of the 40-year.
00:03:56.900 And you end up paying $863,000 long-term.
00:04:00.820 What's the price of the house?
00:04:02.160 Yeah.
00:04:03.140 Is that based on a half a million?
00:04:04.360 What is this?
00:04:05.280 I think that's a half a million dollar loan.
00:04:06.860 It's a half a million dollar loan is what you're looking at.
00:04:08.300 So it's a half a million dollar house.
00:04:10.200 And what's the interest rate that you put on this, Rob?
00:04:11.900 6%?
00:04:13.100 5% fixed.
00:04:14.720 Okay.
00:04:15.000 But it's not even 5% right now.
00:04:17.180 Gotcha.
00:04:17.480 What would it be on 15?
00:04:18.280 What would it be on 15?
00:04:19.420 Okay.
00:04:20.320 PPD.
00:04:20.940 I mean, you already know where I stand on this.
00:04:22.400 I just, you know, what you're doing.
00:04:24.340 I know you're running your numbers.
00:04:25.680 What are you thinking on this right now?
00:04:27.440 Well, here's the thing, Adam.
00:04:29.440 I've never lost money buying a house.
00:04:32.380 Because the math on buying a house is the following.
00:04:35.300 Here's the math on buying a house.
00:04:36.840 Okay?
00:04:37.060 Let's just kind of do, you know, if you just do the flat interest, you're not making a lot of money.
00:04:44.080 If I buy a $600,000 auto house, how much down payment am I putting on a $600,000 auto house, Tom, if I got a 750 credit score?
00:04:52.480 A $600,000 house, you'll have to put down about 120.
00:04:55.040 10%?
00:04:56.120 20%?
00:04:56.640 Okay.
00:04:56.920 20% of the put down?
00:04:58.180 Okay.
00:04:58.620 Let's just say.
00:04:59.600 Let's just type in, Rob, if I have a $600,000 house, a $750 credit score, how much down payment would I need to put down?
00:05:06.600 Can I do 10%?
00:05:08.000 My boy Vinny's going to get a B.
00:05:09.280 Yeah, there are some states who give you a first-time home buyer for 10%.
00:05:12.320 A first time.
00:05:12.880 Let's just say 10%.
00:05:13.800 So if I do first time, I'm putting $60,000 down.
00:05:16.980 And you have to pay P&I.
00:05:18.180 So I'm financing $540,000 is what I'm financing.
00:05:22.020 Okay?
00:05:22.780 So now, what is the rate of return on real estate the last decade?
00:05:29.180 5%.
00:05:29.620 Okay.
00:05:30.320 If that.
00:05:30.840 But what I'm saying is fine.
00:05:32.300 Sure.
00:05:32.620 Go 5%.
00:05:33.500 If we do 5% on that $600,000, 5% on $600,000 over 10 years, 6% to 7% average.
00:05:42.160 Let's take 6%.
00:05:43.160 Okay?
00:05:44.160 So what is the price of this $600,000 house come 10 years from now?
00:05:48.300 What's the price of this $600,000 house come 10 years from now?
00:05:52.980 At 6%.
00:05:53.820 So say if I bought a $600,000 house and it grows at 6% every year, what is the property value 10 years from now?
00:06:03.360 7% will be $1.2 million.
00:06:06.420 So I'm probably going to say 6% is going to be $980.
00:06:09.640 Let's just say $980 is what it should be.
00:06:13.500 $1,074,000.
00:06:14.980 Okay.
00:06:15.640 So $1,074,000, you just made $574,000 on that money.
00:06:23.360 Okay?
00:06:23.860 $574,000 on the $600,000.
00:06:26.780 You put $60,000 down.
00:06:28.560 What's your monthly payment on that, Rob?
00:06:30.020 Now, just say what is your payment on a $540,000 loan at 6%, 30-year fixed.
00:06:38.760 Let's just not even say 30-year fixed.
00:06:40.440 Tom, let's say we do a 10-year adjustable.
00:06:41.840 Yep, I'm doing it.
00:06:42.680 Do a 10-year arm.
00:06:44.200 Okay?
00:06:45.080 10-year arm.
00:06:47.380 So 540, 6%.
00:06:48.840 Vinny, an arm is an adjustable rate mortgage.
00:06:50.800 It's not working at Bicep.
00:06:52.220 Gotcha.
00:06:52.520 So what is the payment on that?
00:06:54.560 Everything, 32, 30.
00:06:56.460 So let's actually do the math right now.
00:06:58.740 So I'm – and then, Rob, can you do me a favor?
00:07:02.360 I just did it.
00:07:02.940 Ask, what is the rent?
00:07:05.320 What is the average rent nationwide?
00:07:08.360 Okay.
00:07:08.900 What does a $600,000 house average get in the country today?
00:07:13.560 We're going to actually do the math very deep right now.
00:07:15.660 I love it.
00:07:16.560 So go, what does a $600,000 budget get you?
00:07:22.140 How big of a house does a $600,000 budget get you in America on average?
00:07:27.280 We're not saying Toledo.
00:07:28.340 We're not saying Beverly Hills.
00:07:29.740 I'm saying Toledo.
00:07:30.660 How big of a house?
00:07:32.020 Yeah, like I'm getting married.
00:07:33.820 I've got a wife and kids.
00:07:34.820 I want to have a family.
00:07:35.960 How many bedrooms is that?
00:07:37.220 $25,76.
00:07:38.680 Okay.
00:07:39.440 $25,76.
00:07:40.880 Three bedrooms.
00:07:42.160 I think that's four-three.
00:07:43.520 I think that's four-three.
00:07:44.860 Okay, Rob, can you then ask the following question?
00:07:48.240 What is the average rent for a 2,576-square-foot home in America?
00:07:55.480 We're getting very deep if you notice what I'm doing right now.
00:07:58.040 Yeah, exactly.
00:07:58.740 Okay, because I know where you're going,
00:08:00.340 and I'm going to do the math as deep as you want to go with this here right now.
00:08:04.380 So the average rent is what?
00:08:05.740 $1,754.
00:08:07.600 Okay, so now notice.
00:08:09.460 $1,754.
00:08:11.000 Oh, $9,08.
00:08:12.320 So what is the average rent for?
00:08:14.720 What does that say?
00:08:15.400 $5,900.
00:08:16.140 What is that?
00:08:17.120 $5,900 rent.
00:08:18.380 Holy shit, that's a lot.
00:08:19.960 Extrapolate.
00:08:20.520 $2,500-square-foot home, though.
00:08:22.660 Okay.
00:08:23.580 That's a lot of rent, Rob.
00:08:25.160 Holy moly.
00:08:25.860 So why don't we...
00:08:27.500 Damn.
00:08:28.660 So I don't think it's going to be $5,900.
00:08:30.420 Or mortgage.
00:08:31.700 No, I want to do rent.
00:08:33.320 Okay.
00:08:33.520 What is the average rent for a 2,570-square-foot home in America?
00:08:44.120 Give me average.
00:08:45.840 Not high or low, but average.
00:08:50.320 Okay?
00:08:51.560 I don't know if you're getting this number or not.
00:08:52.940 We're getting to the bottom of this number.
00:08:54.880 That number should be...
00:08:56.480 I'm trying to go to $2,100.
00:08:58.000 Still saying the same number, right?
00:08:59.240 It's telling me the same number as well.
00:09:00.900 What number do you guys want to pick?
00:09:02.180 Let's pick a rent.
00:09:03.620 I wrote $1,900 before it came out because that's the stuff I've been reading.
00:09:06.640 Okay.
00:09:07.260 Can we just say it's $2,000 a month?
00:09:09.340 Let's just say the average rent right there is $2,100 a month.
00:09:12.160 Let's go with $2,100 a month.
00:09:13.920 Okay?
00:09:14.480 So what's $2,100?
00:09:15.960 What's $3,238 minus $2,100?
00:09:19.620 $3,238 minus $2,100 is $1,138.
00:09:24.540 Now take $1,138 times $120 because you know what I'm doing.
00:09:29.140 Adam, are you tracking or no?
00:09:30.400 I'm doing some numbers here.
00:09:31.300 $1,138 times $120, Vinny is...
00:09:34.800 Vinny's face.
00:09:36.140 By the way...
00:09:37.220 Matt, you guys...
00:09:38.040 Just stop.
00:09:39.280 Just stop.
00:09:40.360 Are you guys still...
00:09:41.480 I'm going to come back down.
00:09:41.880 No, no.
00:09:42.120 But do you know what we're doing, Vinny?
00:09:43.320 This is very important.
00:09:44.300 Vinny's face was like this.
00:09:45.620 So watch this.
00:09:46.260 No, but I'm tracking because I'm paying big ass rent.
00:09:47.820 So here's where I'm at now.
00:09:49.140 Here's where I'm at now.
00:09:49.740 Yeah, yeah, yeah.
00:09:50.180 I'm at $100...
00:09:51.040 I'm just showing you this.
00:09:52.620 We're at $136,560.
00:09:55.020 Okay?
00:09:55.280 So if we take that 6% concept, if we take that 6% concept, that the value of real estate
00:10:05.060 makes an average return of 6% every year, over 10 years, your $600,000 house you bought
00:10:11.340 will be $1,074,000, $1,074,000 minus, okay, minus, I can't believe we're getting this
00:10:21.920 deep in the loan, but let's do it anyways, minus $600,000.
00:10:25.520 You've made $474,000 in return.
00:10:29.300 If I take $474,000 minus, Vinny, $136,540 that you would have paid at a $2,100 rent.
00:10:40.120 Rent, 10 years later, owning a home would have gotten you $337,000, let's add the $60,000
00:10:49.240 down payment to it as well.
00:10:52.440 I mean, you're making $397,460 buying a house versus renting a house over 10 years.
00:11:00.860 But let's go deeper.
00:11:02.820 Go.
00:11:03.580 Extrapolate it, Adam.
00:11:04.380 Go ahead.
00:11:04.740 Your argument, or not your argument, the argument is you're not going to lose money by buying
00:11:11.300 a real estate.
00:11:13.060 It's almost like buying a bond.
00:11:14.400 There's a lot of caveats, buddy.
00:11:15.940 So, but I want to hear you.
00:11:17.400 Go ahead.
00:11:17.760 Make your argument.
00:11:18.620 So, what's a better rate?
00:11:22.840 That's another three second pause.
00:11:23.500 What's a better?
00:11:24.160 You're on my couch.
00:11:24.900 You're going Bidenville, bro.
00:11:25.940 Get this guy some brain.
00:11:27.320 To be honest with you, I haven't had my coffee this morning.
00:11:28.060 You're going to start shaking hands with the camera.
00:11:29.860 It was Rory's 13th birthday.
00:11:31.200 I went all hell yesterday.
00:11:32.260 Go ahead.
00:11:32.640 Tell us.
00:11:32.980 I'm shopping right now.
00:11:33.380 You know that.
00:11:35.180 The argument is not, is buying a house a good investment?
00:11:38.200 It is a okay investment.
00:11:40.940 I'm not shitting on the investment.
00:11:42.460 I don't think it's a bad investment.
00:11:43.940 I'm not recommending that you don't do the investment.
00:11:46.600 I'm saying if you're solving for a rate of return.
00:11:48.840 Stop, stop, stop, stop, stop, stop, stop, stop, stop.
00:11:52.340 Based on this argument, we did it as technical as possible.
00:11:59.760 I'm willing to bet we lost viewership right now.
00:12:02.040 Let me just see where people, people are probably like, stop talking about this.
00:12:05.540 I don't want to talk about this.
00:12:06.660 I'm telling you right now, Adam, okay, this is my advice to people.
00:12:11.980 So if you're in the area where you're working for a company advance, like if I'm working
00:12:17.280 for Marriott, say I'm working for Marriott and my goal is to be a general manager running
00:12:22.280 a hotel one day, guess what I'm not doing for 10 years?
00:12:25.760 I'm not buying a house.
00:12:26.740 Correct.
00:12:27.120 Because you could be moving around.
00:12:27.820 I'm going to be moving.
00:12:28.880 We're opening up a new Marriott in London.
00:12:31.500 Do you want to go?
00:12:32.260 No.
00:12:32.760 I'm not going to get a stat, but I'll go to Dubai, right?
00:12:35.200 Do you want to go to a new Marriott that's coming?
00:12:36.920 Yes.
00:12:37.440 If your job requires potential promotions to move.
00:12:40.160 So for me, when I was PHP, I know I'm moving.
00:12:42.860 As crazy as it is, I bought a house eventually in that community that we lived in, Tramble
00:12:47.060 Estate.
00:12:47.320 You've never been to it.
00:12:48.300 Tom has been to it.
00:12:49.000 I bought the cul-de-sac and I bought it right next to the Barry Bonds agent.
00:12:53.340 So we love this community.
00:12:54.280 There's 21 homes.
00:12:55.400 I rented a house in the community.
00:12:56.780 I bought the house in the corner.
00:12:58.400 Two years later, I'm leaving.
00:13:00.900 Do you remember that, Tom?
00:13:01.760 Two years later, I'm like, shit, I'm going to Texas.
00:13:03.500 I still made $200,000.
00:13:04.840 I still made $200,000 when I bought this because it was prime property cul-de-sac in
00:13:11.440 a gated community with only 21 homes.
00:13:14.240 Then we go to the house in Dallas.
00:13:15.800 You've been to our house in Dallas.
00:13:16.880 Did you go to both of them or just one of them?
00:13:18.760 Did you go to the other house?
00:13:20.040 The four-story, 15,000 square foot home?
00:13:21.680 You didn't go to that one.
00:13:22.600 I didn't go to that one.
00:13:23.120 Okay.
00:13:23.780 So the one, but the other one you went to, right?
00:13:27.180 With the pool table.
00:13:27.940 Yes, yes.
00:13:28.420 The other one you went to.
00:13:29.500 We made money on that one.
00:13:31.080 The house we bought here, we made money on this one.
00:13:32.720 If a person's buying long-term, this is what I did for a living financially, but you're
00:13:39.280 sitting on doing the math with them.
00:13:40.660 When you get to the bottom of it, the question is simple.
00:13:43.920 Are you planning on living in this place for 10 years?
00:13:46.960 Yes.
00:13:48.020 Then I would lean more towards buying than renting.
00:13:51.880 If you tell me no, then I would say pump the brakes.
00:13:55.920 That's really how simple it is.
00:13:56.940 We are fully on the same page.
00:13:59.080 Fully on the, I'm not, I have zero disagreements.
00:14:01.180 So my contention is never don't buy real estate.
00:14:05.820 I've never said that.
00:14:06.440 This is as thorough as a breakdown we could have done for the people that are watching.
00:14:10.420 Can I ask you a very specific question?
00:14:11.220 Yeah, of course.
00:14:11.700 Of course.
00:14:12.020 If you could put these three, PBD's money.
00:14:14.640 Well, you know 150 million ain't what it used to be.
00:14:16.300 It ain't what it used to be.
00:14:17.780 PBD's money.
00:14:18.440 If you could put the following three things where you've made the most money.
00:14:22.800 No, it's not close.
00:14:23.600 Working on a business, your stock portfolio.
00:14:26.680 That's a different conversation.
00:14:27.740 Or your housing portfolio.
00:14:30.180 What rank those three?
00:14:31.480 For you.
00:14:32.020 I'm not everybody, though.
00:14:32.920 I'm saying for you.
00:14:33.540 I want to know you.
00:14:34.020 I know.
00:14:34.560 A guy asked me, if you could define yourself with one word, what would it be?
00:14:40.520 And it can't be politics or family.
00:14:43.580 Non-family.
00:14:45.240 I said operator.
00:14:46.500 I love the day-to-day grind.
00:14:48.840 I agree with you.
00:14:49.240 You know since what time I've been at the office today?
00:14:51.860 You don't even know what time I've been at the office today.
00:14:54.040 Yesterday I was at Naples.
00:14:55.380 Dylan had a game.
00:14:55.980 I went to the championship, coming back, and I've been dealing with a bunch of chaos this weekend.
00:14:59.640 PHP was here the day before Saturday.
00:15:01.780 7.45, I'm at the office.
00:15:03.140 You know what time my Saturday ended?
00:15:05.500 You know what time my Saturday ended?
00:15:06.920 2 o'clock in the morning.
00:15:08.880 My day started Saturday, 7.45 in the morning.
00:15:11.380 It ended Sunday, 2 o'clock in the morning.
00:15:13.060 I come home Sunday, 2 o'clock in the morning.
00:15:15.020 Then I got to get doing stuff with the kids to go to the...
00:15:18.620 So I'm back and forth.
00:15:19.940 But I freaking love being an operator, right?
00:15:22.820 But that's not everybody.
00:15:24.000 If somebody's watching this right now who has a job making $82,000, your wife makes $59,000,
00:15:29.100 they're trying to make a decision, do we listen to the people that are saying we're not?
00:15:33.220 And you know there's not going to be a massive amount of changes in your life the next 10 years.
00:15:38.640 Massive.
00:15:39.700 If there is, then you have to adjust accordingly.
00:15:43.740 But if you know it's going to be, I'm going to be with this company long term, I love it here.
00:15:47.700 This is what I'm going to be doing.
00:15:49.040 This is the industry I'm going to be on.
00:15:50.620 This is the city I'm going to live in.
00:15:51.920 Probably within a 5, 10 mile radius.
00:15:53.820 Then guess what?
00:15:54.660 Lock it up and get something.
00:15:56.160 If you can afford it.
00:15:57.640 Because it's...
00:15:59.300 And then by the way, guess what else you have to be thinking about?
00:16:03.080 Never has there been more important time, Tom, to buy a house in a community, in an area based on politics than today.
00:16:10.040 Do you know what just happened right now with California and Texas?
00:16:12.780 Folks, let me tell you what happened with California and Texas.
00:16:15.020 This whole thing with the elections and all this stuff that they're saying going into midterms.
00:16:19.320 Do you know what California and Texas just did with redistricting?
00:16:23.040 You know Prop 50 and what Texas did?
00:16:25.080 Do you know what they did?
00:16:26.000 Guess what's going to happen?
00:16:27.460 Texas protected themselves.
00:16:29.000 We're going to stay Republican for many, many decades.
00:16:31.780 Come do something about it.
00:16:33.020 You know what California did?
00:16:34.300 We're going to stay Democrat for many, many decades.
00:16:37.000 Come do something about it.
00:16:38.320 A-Rod's being interviewed.
00:16:39.320 And he's being asked, what areas do you buy properties in?
00:16:43.540 And he says, red states.
00:16:45.920 Why red states?
00:16:46.920 Because people are moving to red states.
00:16:49.320 What are red states?
00:16:50.340 Pick them.
00:16:51.580 Pick them.
00:16:52.720 Tennessee.
00:16:53.840 Florida used to be purple.
00:16:54.740 Now it's red.
00:16:55.900 Texas.
00:16:56.500 What are you investing in?
00:16:57.840 So, you know, these are the types of decisions you've got to make with your family and say, where are we going to go buy a home long term?
00:17:03.700 But if it's 10 years, I'm banking on buying a home instead of renting a home.
00:17:08.100 Because 10 years later, that family is going to have an additional $400,000 of net worth added to their name that they wouldn't have had.
00:17:15.000 Tomorrow's Veterans Day.
00:17:16.840 And what we want to do for the veterans who are watching this, we have a whole new series of merch for veterans.
00:17:22.720 Rob, if you can zoom in into some of these guys here, whether you're Army, we've got an Army Future Looks Bright.
00:17:28.920 We've got, go a little bit low, Rob, if you could.
00:17:31.420 We've got those hats with the Velcro.
00:17:33.340 That right there, the Army Future Looks Bright patch is insane.
00:17:36.660 Go low, Rob.
00:17:38.100 You know, Air Force, Navy, keep going, keep going, keep going.
00:17:42.060 We've got those green hats.
00:17:42.900 Those green hats, they won't last long.
00:17:44.920 Every time we have those, they disappear.
00:17:47.240 The one on the right, it's absolutely sick.
00:17:49.360 On the front of it, it says Future Looks Bright.
00:17:50.900 U.S. Armed Forces, Marines, keep going.
00:17:54.600 And then you have the USA hat.
00:17:56.040 That's another one.
00:17:56.820 It's one of our most, I think it's the top five most reviewed hats of all time that you have right there.
00:18:03.220 The USA with the, what do you call it?
00:18:06.280 The camouflage on there.
00:18:07.580 Armed Forces in the middle with the dog tag.
00:18:09.280 Six shirt, keep going low, Rob, keep going low.
00:18:11.680 And you've got the Army greens, the hats in the middle, and then go to the next one.
00:18:15.700 That Angry Patriot shirt to the right.
00:18:17.860 You've got a bunch of stuff here.
00:18:19.160 And here's what it is.
00:18:20.260 Go to vtmerch.com, place your order, use the code VETERAN for a discount, VETERAN for a discount.
00:18:29.180 And 10% of every purchase made will go to charities that are related to folks who are serving.
00:18:38.100 And we have a handful of them that we're working with.
00:18:39.900 Trust me, we're very selective on which one we go through.
00:18:42.740 10% of whatever purchase is made will go to different charities out there.
00:18:47.520 And if you use the code VETERAN, you'll get a 10% discount as well.
00:18:51.360 Some of those items are, you know, limited supply that we ordered.
00:18:55.620 So be sure to go out there and place the order for yourself.
00:18:58.240 And if it's not you, you have a friend that went to the Air Force, the Army, the Marines, the Navy.
00:19:03.300 You know, gift them something from this that watches the podcast.
00:19:06.040 Again, go to vtmerch.com, place your order using the discount VETERAN.
00:19:10.940 If you enjoyed this video, you want to watch more videos like this, click here.
00:19:14.080 And if you want to watch the entire podcast, click here.