Verdict with Ted Cruz - April 28, 2023


BIDEN Attacks Your Good Credit Score w⧸ New Socialist Rules That Will Cost You Millions! Plus Electric Tanks Stuck In The Mud & Kids Being Sterilized


Episode Stats


Length

42 minutes

Words per minute

154.96281

Word count

6,654

Sentence count

438

Harmful content

Misogyny

13

sentences flagged

Toxicity

48

sentences flagged

Hate speech

12

sentences flagged


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

Ted Cruz decries Joe Biden's proposed rule that penalizes home buyers with poor credit scores for getting loans from Fannie Mae and Freddie Mac. He says it's asinine, and it's even worse if you have a good credit score.

Transcript

Transcript generated with Whisper (turbo).
Misogyny classifications generated with MilaNLProc/bert-base-uncased-ear-misogyny .
Toxicity classifications generated with s-nlp/roberta_toxicity_classifier .
Hate speech classifications generated with facebook/roberta-hate-speech-dynabench-r4-target .
00:00:00.000 This is an iHeart Podcast.
00:00:02.540 Guaranteed human.
00:00:05.480 Welcome.
00:00:06.180 It is Verdict with Senator Ted Cruz.
00:00:07.940 Ben Ferguson with you.
00:00:09.220 Senator, this show is going to be one that is going to irritate a lot of people.
00:00:14.860 The Biden new rule that he wants to put on the American people will redistribute high
00:00:21.940 risk loans and that will cost homeowners with good credit more money to get a loan.
00:00:28.480 In translation, what he wants to do is give a bonus, reward bad credit, bad credit scores,
00:00:37.360 and then those that have good credit will pay higher interest rate.
00:00:43.760 This isn't a joke.
00:00:45.080 This is redistribution of a new way of doing it.
00:00:48.220 I guess you could say, Senator, with wealth.
00:00:49.680 Your reaction?
00:00:51.760 Well, it's even worse than that.
00:00:53.220 So this is a proposed rule that has come from Fannie Mae and Freddie Mac.
00:00:57.060 Fannie Mae and Freddie Mac are government-sponsored entities that purchase mortgages, and they
00:01:03.360 have an enormous impact, a dominant impact, in the home mortgage market.
00:01:08.200 And under Joe Biden, they've rolled out new rules.
00:01:11.200 And the new rules do two things.
00:01:14.060 Number one, they benefit you if you have a low credit score.
00:01:20.120 So if your credit score is bad, if you've defaulted on rent payments, if you defaulted on your
00:01:25.460 mortgage before, if you fail to pay credit cards, if you have a low credit score, your
00:01:32.640 credit is cheaper.
00:01:33.440 And then the flip side is, if you've been responsible, if you've done the good work of paying your
00:01:40.660 bills, if you paid your rent on time, if you've had a home and you paid your mortgage on time,
00:01:45.880 if you've had credit cards and you've paid them off, they penalize you.
00:01:51.180 They charge you more if you have a good credit score.
00:01:56.080 Now, it gets even dumber than that if not only do you have a good credit score, but you've
00:02:03.440 actually been responsible, you've saved, you put money in the bank, and you're putting
00:02:08.240 down a 20% down payment.
00:02:12.520 They jack your fees up even higher.
00:02:15.720 They charge you more.
00:02:17.900 And I got to say, look, I've actually found in the last two weeks, I've had multiple people
00:02:24.960 come up to me in conversations and raise this with me because this is infuriating. 0.99
00:02:29.920 This is asinine. 0.93
00:02:31.760 On the one side, on the subsidizing people who have lousy credit scores, giving them cheaper 0.96
00:02:39.720 loans, even though their credit scores are lousy, what that is going to produce is that is going
00:02:46.140 to produce another 2008 housing crisis.
00:02:50.460 What this is, is the Biden administration trying to convince people with low incomes, with bad
00:02:56.380 credit, without the ability to pay a big monthly bill to nonetheless take out mortgages and to
00:03:03.540 take out mortgages for more than they can afford.
00:03:06.540 And we know they're going to end up defaulting on those mortgages.
00:03:10.400 That's what a low credit score means.
00:03:12.340 That's what you don't want people taking out a mortgage that is too big for their income.
00:03:18.880 But if you are a Joe Biden, naive socialist, it sounds great to you.
00:03:23.900 Hey, let's encourage these guys, get them in a McMansion.
00:03:27.340 And then, well, if they can't pay, pay their mortgage, oh, well, we'll deal with that then.
00:03:32.640 But the flip side of it, I want everyone sitting here listening to think about this.
00:03:38.120 Have you been responsible?
00:03:41.060 Have you built up a good credit score?
00:03:44.540 When you're buying a home, have you saved money so that you have money for a down payment?
00:03:48.720 In any normal world, if you have a down payment, your fees are lower.
00:03:53.960 If you don't have a down payment, you pay a lot higher.
00:03:57.580 Why?
00:03:57.960 Because it's much, much riskier.
00:03:59.400 If you're getting a mortgage with no down payment, the odds are much higher that you'll
00:04:03.160 default and the bank will lose their money.
00:04:05.320 Well, the Biden administration, to give you a sense of this, the rule they announced would
00:04:10.880 charge homebuyers with credit scores of a 680 or more, an extra $40 a month on home loans
00:04:21.640 of $400,000 or more.
00:04:24.200 That is insane.
00:04:26.680 And welcome to bizarro world of the socialist wanting to penalize you for doing the right
00:04:33.740 thing.
00:04:34.020 You know, one of the things that's so amazing is this is being done at a time when interest
00:04:38.840 rates for mortgages have roughly doubled over the past year.
00:04:43.700 I know how much I saved when I bought my first house and I bought my first house at the courthouse
00:04:50.540 steps in foreclosure, trying to make a good financial decision.
00:04:54.360 I remember sacrificing to get that credit score to the highest number I could get so I could
00:05:00.460 get that loan.
00:05:01.060 And I remember the rules of what they said to do and don't do and don't open up any type
00:05:05.600 of credit card.
00:05:06.360 Don't open up any line of credit.
00:05:08.240 Don't go out and buy a car.
00:05:09.920 Don't go out and do this because homeownership, I believe, shouldn't be easy as going out and
00:05:15.380 buying a value meal at McDonald's.
00:05:17.880 I think there's responsibility that comes with it.
00:05:20.220 Most Americans would agree.
00:05:21.720 You go back to 2008, which you mentioned, Senator.
00:05:24.840 In 2008, you could walk in and you could get a loan by just putting your name on a piece
00:05:30.280 of paper and just telling somebody what your income was without even having to verify it
00:05:37.500 in many cases.
00:05:38.440 And that's what caused that housing crisis.
00:05:40.520 It's like they didn't learn their lesson.
00:05:43.000 And it's a quick way to buy some votes by saying, look what we did for you.
00:05:47.060 We rewarded your bad behavior and we rewarded your failure with a lower interest rate.
00:05:52.880 So vote for us.
00:05:56.020 Look, that's exactly right.
00:05:57.680 And the results of this are really significant.
00:06:03.220 The interest rates are actually even worse than that.
00:06:08.680 So when Joe Biden became president, the average home mortgage interest rates were between two
00:06:14.680 and two and a half percent.
00:06:16.480 A year ago, the 30-year mortgage rate was five percent.
00:06:23.200 Right now, the average 30-year mortgage rate is six point two seven percent.
00:06:30.080 So think about that journey.
00:06:32.120 It went from two and a half percent before Biden became president to six point two seven percent
00:06:37.180 now.
00:06:38.940 That is crushing already.
00:06:42.060 And now they're coming in and artificially saying, if you have a down payment, we're going
00:06:49.620 to punish you.
00:06:50.260 If you have good credit, we're going to punish you.
00:06:54.860 And let me give you some math on that.
00:06:57.920 So beforehand, a borrower with a 700 credit score and a 20 percent down payment would have
00:07:07.860 paid an up up front fee equal to one point two five percent of the loan amount.
00:07:12.580 That is, let's say, on a three hundred thousand dollar loan.
00:07:15.800 That's three thousand seven hundred fifty dollars.
00:07:18.180 Now, because you have good credit, because you have a down payment, your fee has risen from
00:07:24.300 one point two five percent to one point three seven five percent.
00:07:28.600 Or in other words, if you're taking a three hundred thousand dollar loan, it's gone from
00:07:32.480 three thousand seven hundred fifty dollars to four thousand one hundred and twenty five
00:07:36.960 dollars.
00:07:37.280 They are punishing you because you did the right thing.
00:07:41.160 And in turn, they're subsidizing you if you did not do the right thing.
00:07:49.140 Yeah.
00:07:49.280 And in other words, they're forcing people that are responsible, good credit to pay more for
00:07:56.580 their mortgages so that you can subsidize those who are higher risk borrowers.
00:08:03.340 And they say that is good for this country.
00:08:06.540 I don't know how anyone can think rewarding bad behavior is a good thing.
00:08:11.020 Yet here is what the Democratic Party is doing.
00:08:13.260 And I want to ask you about what this is rooted in, Senator, because there's a lot of people
00:08:17.760 that look at this and they think themselves, this sounds a whole lot like socialism.
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00:09:45.120 Senator, I want to get back to this idea of socialism.
00:09:47.920 When you start taking from the responsible, not even the rich, we're just talking about
00:09:52.320 responsible homeowners, and you start taking from and penalizing responsibility to then,
00:09:59.300 quote, level the playing field, you're bringing everyone down into the same group and putting
00:10:05.600 everybody's loans at risks, at a much higher risk of failure when you do this.
00:10:11.620 We know this from 2008 housing bubble that many people live through.
00:10:16.300 And there's people say, this is basically what socialism is.
00:10:20.720 Look, it's exactly what socialism is.
00:10:23.160 And it's, it is the pattern of the left wing.
00:10:27.660 It is the pattern of the Biden administration.
00:10:29.340 You look at the pandemic where Democrats paid massive amounts in unemployment benefits.
00:10:36.640 And, and, and you want to really see the difference in the middle of the pandemic.
00:10:40.480 I introduced an amendment to cap unemployment benefits at whatever your salary was in your
00:10:48.940 prior job.
00:10:49.660 And I, and I stood up on the Senate floor and I argued, look, lots of people have lost
00:10:53.720 their jobs, many of them, not their fault.
00:10:56.460 It makes sense to provide enhanced benefits for a limited period of time, but people should
00:11:04.720 not get a pay raise because they lost their job.
00:11:08.500 So we should cap unemployment benefits at whatever they were making the day before they lost their
00:11:14.460 job.
00:11:15.620 Now, on the other side, Dick Durbin, Democrat from Illinois, stood up and argued on the other
00:11:19.520 side.
00:11:19.800 And, and actually, if, if you go Google and listen to this debate, it captures much of
00:11:26.780 the difference between Democrats and Republicans because Dick Durbin made it a morality plate.
00:11:32.740 He stood up and said, see, see, that's the problem. 0.99
00:11:35.660 What Ted is saying is if you lost your job due to the COVID pandemic, you're a lazy bum. 0.97
00:11:44.060 You just want to sit on your couch. 0.99
00:11:46.760 You're just a reprobate.
00:11:49.200 And I actually got up in response and I said, well, no, no, no, that is not what I'm saying.
00:11:54.740 What I'm saying is I believe in incentives.
00:11:57.280 I think people respond to incentives and I want good incentives and not bad incentives.
00:12:03.200 And I said, for example, if you're a single mom, you've got a couple of kids and the government
00:12:09.000 steps in and says, we will pay you twice as much not to work as you can make working.
00:12:19.020 I believe you love your kids.
00:12:21.040 I believe you're going to make the decisions you think are best for your kids.
00:12:25.080 And so if the government pays you twice as much not to work as to work, you're going to stay home.
00:12:30.420 But the problem is that's really bad for you.
00:12:33.160 That's really bad for your kids.
00:12:34.860 And that's really bad for the country as millions and millions of people do that.
00:12:37.960 We voted on the Senate floor and, Ben, it was a straight party line vote.
00:12:42.440 The D's all lined up behind Durbin.
00:12:44.580 The R's all lined up behind me. 1.00
00:12:46.720 And so it failed.
00:12:48.160 And during COVID, the federal government paid people in many instances double or even triple
00:12:55.460 what they made in their jobs not to work.
00:12:58.700 And I got to tell you, as I talk to business owners in Texas, and I do so every week, over
00:13:04.320 and over and over again, they raised the problem that they can't find qualified workers because
00:13:09.200 the government has been paying people not to work for so long.
00:13:12.980 Here's a radical concept.
00:13:14.940 If you pay people not to work, they don't work.
00:13:19.120 Yeah.
00:13:19.300 Same principle here is true.
00:13:20.740 If you penalize people for being fiscally responsible, for having the discipline, to build a good credit
00:13:26.860 score, for saving, to have a down payment, all of which, look, with our kids, we'd advise them to do that.
00:13:33.140 That's fiscally prudent if you penalize them for doing that.
00:13:37.080 On the other hand, if you reward them and subsidize them for being fiscally irresponsible,
00:13:43.740 you know what?
00:13:44.220 You get more of the bad stuff and less of the good stuff.
00:13:47.880 Last question on this, and it goes back to something we talked about on the podcast a couple
00:13:53.300 episodes ago, and it was the shocking lack of oversight with what happened with Silicon
00:14:01.100 Valley Bank and the fact that just new rules were made out of thin air to protect large
00:14:06.160 depositors at these banks.
00:14:07.680 If you now do this with mortgages, is this not going to squeeze out community banks and
00:14:15.740 smaller banks with these types of risks that you're asking them to take?
00:14:19.820 Because what you're saying is, hey, we're basically telling you, you've got to start taking risky
00:14:26.180 loans again, which is exactly what happened in 08.
00:14:28.420 They're going to be subsidized by less risky loans with higher credit scores.
00:14:33.820 That is a lot for a smaller bank and community banks to take on.
00:14:39.000 What's the government's response going to be to that?
00:14:41.680 Well, that problem is less acute than you might think, because the way home mortgages tend
00:14:47.100 to work is that a community bank, a local savings and loan will issue a home mortgage, and they
00:14:53.740 promptly will turn around and sell it on the secondary market.
00:14:57.940 And so for most of these local banks, they don't keep the mortgages on their books.
00:15:02.140 They sell them fairly quickly.
00:15:04.020 Now, what happened in 2008 is they would sell those home mortgages, and then Wall Street
00:15:10.180 banks would package up the mortgages.
00:15:12.760 They would slice them up into derivative products.
00:15:15.320 And so there was trillions of dollars invested in the home mortgage market, and they created
00:15:20.560 all of these esoteric financial products that were based on mortgages in the secondary market.
00:15:27.920 And it was based on this really naive assumption that, number one, nobody's going to default
00:15:33.140 on their mortgage, and number two, that home values will always go up and up and up.
00:15:37.540 It was basically a Ponzi scheme.
00:15:39.520 It worked as long as your home value was more this year than last year and was going to be
00:15:44.980 even more next year than the year before.
00:15:46.960 Suddenly, when home values hit a pause, or in many markets when home values went down,
00:15:56.180 people began walking away from their mortgages.
00:15:58.680 People were underwater on their mortgage.
00:16:00.140 They owed more on the house than it was worth, and they left.
00:16:03.020 And that produced a cascading cycle of defaults, which in turn destroyed major banks on Wall Street
00:16:14.660 because by creating these credit derivatives, they amplified the risk to an enormous extent.
00:16:24.860 And so doing this imposes systemic risk on the financial system and on the banking system,
00:16:32.720 but it is less the dynamic of the local community banks being subject to it and more the overall
00:16:40.280 financial system.
00:16:41.580 But look, if you're a socialist, if you're Elizabeth Warren, you don't care, because if
00:16:46.560 there's another financial wipeout, the federal government will step in and print a few trillion
00:16:51.780 dollars and just bail everyone out again.
00:16:56.040 Socialists believe that there's no limit to how much money you print and that the government
00:17:02.040 can always bail people out.
00:17:03.900 And it's amazing.
00:17:05.320 This policy, I got to admit, this policy pisses me off.
00:17:09.580 And it pisses me off not only because they're repeating the mistakes of the past.
00:17:13.980 They are encouraging people to take out mortgages they cannot afford, which puts them much more
00:17:20.920 likely in a position to default.
00:17:23.480 But the flip side, the idea that you're punishing people for doing the right thing and being 0.98
00:17:28.860 responsible, it's asinine. 0.94
00:17:31.400 And I challenge, look, this podcast, we have lots of people who listen to it. 0.97
00:17:37.320 We have lots of young people who listen to it.
00:17:39.480 I want to encourage everyone who's in high school, everyone who's in college.
00:17:42.880 We have a lot of high school and college kids that listen to this podcast.
00:17:47.360 Raise it with your classmates.
00:17:49.480 You think this is a good idea?
00:17:50.480 If you're a teacher, if you're a high school teacher, if you're a junior high teacher,
00:17:53.480 if you're a college professor, raise it with your students.
00:17:56.480 What do you think?
00:17:57.280 What do you think?
00:17:58.580 Person A paid their bills on time, was really responsible, built up a good credit score,
00:18:04.460 saved money, had a down payment.
00:18:07.320 The Biden administration is going to charge that person much more for their mortgage than
00:18:13.200 person B who went out and partied like crazy, never saved any money, failed to pay their bills,
00:18:18.720 failed to pay their credit cards, defaulted on their mortgage, defaulted on their rent.
00:18:22.540 They get a much cheaper mortgage than the person who was responsible.
00:18:26.140 And look, I don't know how you defend this in any group of ordinary people. 0.99
00:18:31.980 It is asinine. 0.99
00:18:33.140 And it shows this is what socialism is. 0.98
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00:19:08.460 Senator, I also want to get to something else.
00:19:10.720 Jennifer Granholm says that she supports now, and this goes back to indoctrination.
00:19:16.900 It's very much like the loans we were just talking about.
00:19:19.540 But this is now about requiring the U.S. military to adopt an all-electric vehicle fleet by 2030.
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00:20:49.180 Senator, you listened to Secretary Granholm.
00:20:53.500 You and I played this earlier, and it's mind-blowing the idea that our U.S. military
00:20:59.320 would be forced to adopt a woke green energy policy on an all-electric vehicle fleet by 2030.
00:21:06.460 But that's exactly what she has now called for before Congress.
00:21:09.920 Here it is.
00:21:11.520 Do you support the military adopting that EV fleet by 2030?
00:21:16.000 I do, and I think we can get there as well.
00:21:18.560 And I do think that reducing our reliance on the volatility of globally traded fossil fuels
00:21:24.220 where we know that global events such as the war in Ukraine can jack up prices for people back home
00:21:29.820 does not contribute to energy security.
00:21:33.000 I think energy security is achieved when we have homegrown clean energy that is abundant,
00:21:39.420 like you see in Iowa.
00:21:40.560 We think that we can be a leader globally in how we have become energy independent.
00:21:46.340 All right.
00:21:47.000 I'm going to ask you some questions, Senator, that I know the answers to,
00:21:50.380 but many people listening are going to want answers to these same questions that I had to figure it out.
00:21:55.860 All right.
00:21:56.200 Number one, if we're going to war, let's say in the Middle East, let's say Afghanistan, 0.88
00:22:03.040 and we show up with a bunch of electric vehicles, where are we going to charge those vehicles,
00:22:10.200 and how much of a risk could this be to our military readiness around the world?
00:22:15.180 Or is this just only a kumbaya story in America alone,
00:22:19.160 and then if we actually have to go out and fight a war, we'll go back to gas cars?
00:22:22.800 So listen, we're not.
00:22:25.420 And this is an example of how the modern left, these are not serious people.
00:22:31.720 These are not people who are rational.
00:22:33.680 These are not people who live on planet Earth.
00:22:37.720 What Jennifer Granholm, and she is the U.S. Secretary of Energy. 1.00
00:22:40.660 She's supposed to know something about this.
00:22:43.020 She's not just supposed to be, gosh, I think we'll all be on windmills.
00:22:46.880 She's actually supposed to have substantive knowledge about this. 1.00
00:22:50.760 What she just said is so idiotic and asinine that it really defies words. 1.00
00:23:00.940 Okay, 2030. 1.00
00:23:02.940 Today is 2023.
00:23:04.540 That would be seven years from now.
00:23:06.540 2030, she wants the entire military fleet electric.
00:23:11.500 So let's figure out how that works.
00:23:13.040 Let's say we're in a shooting war in, say, Ukraine, and our tanks are all electric.
00:23:20.760 What the hell do you do when they run out of a charge?
00:23:23.920 Do you ask Putin?
00:23:25.700 Hey, Vladimir, would you mind setting up charging stations every 100 miles?
00:23:30.560 Because we'd like to have a bunch of tanks in theater. 0.98
00:23:33.940 And if they run out of charge, we're screwed.
00:23:37.400 Or maybe China, maybe Xi and China.
00:23:40.460 If we're in a battle dealing with China, and we've got, I guess, our ships that are all electric, we've got our helicopters that are all electric, we've got our F-35s that are all electric. 0.92
00:23:54.080 Mind you, how the hell is that going to be?
00:23:56.660 She wants our entire fleet electric. 0.98
00:23:58.360 Listen, I've been to the F-35 plant in Fort Worth, Texas.
00:24:03.700 The plant is a mile long.
00:24:05.400 It's spectacular to watch how they assemble F-35s.
00:24:08.780 Apparently, the Biden administration believes those will be all electric, that you'll land your F-35 at a Walmart and just plug into the outlet there.
00:24:17.420 Like, this is not even...
00:24:22.400 Is it fair to say it's not even remotely doable or logistic?
00:24:27.780 I mean, how many charging stations are there in Iraq or in Afghanistan? 1.00
00:24:31.840 No person who's serious believes this is anything other than stupidity. 1.00
00:24:36.480 Yeah. 1.00
00:24:36.860 This is the kid.
00:24:38.640 This is the Easter Bunny Santa Claus, except they're trying to use that and put it with the U.S. military adopting an all-electric vehicle.
00:24:45.080 It's actually a good example.
00:24:46.340 Yeah, the Easter Bunny will just go smite our enemies. 0.99
00:24:49.080 Like, there's no technological path for this.
00:24:52.920 This makes no sense.
00:24:54.920 But this is the modern left.
00:24:56.940 When you ask the modern left, the people who likes the Green New Deal, that they want to get rid of jet fuel.
00:25:02.800 Okay, well, how are planes going to fly?
00:25:04.520 I don't know.
00:25:06.300 I guess, you know, you put a windmill in the front of the plane.
00:25:08.780 Like, and let's be clear, our servicemen and women are depending upon our equipment to keep them safe.
00:25:19.540 Let's say you're a tank commander. 0.99
00:25:22.100 These morons want you to drive an electric tank. 0.99
00:25:25.800 What do you do when you're headed through Iraq, when you're headed through Afghanistan, when you're headed through Ukraine, when you're headed through Taiwan, in your tank, and you run out of charge? 1.00
00:25:37.900 Like, look, we won World War I.
00:25:39.860 We won World War II using diesel.
00:25:41.700 Imagine in Afghanistan, you had these quick-action response teams.
00:25:48.420 Can you imagine if a quick-action response team gets a call to go out and either get an asset, to grab a guy like Khalid Sheikh Mohammed, for example, and ask for a mastermind of 9-11?
00:25:57.760 They're like, well, hold on.
00:25:58.680 We're at a 33% charge on our Humvees.
00:26:01.020 We're going to have to wait another two hours for this thing to charge?
00:26:03.700 And it's one of the things, actually, that I found very interesting.
00:26:08.140 So I've been in the Senate now 11 years.
00:26:10.340 I spent six years on the Senate Armed Services Committee.
00:26:14.180 One of the massive advantages of the American military compared to any other military on Earth is logistics.
00:26:22.500 We are really damn good at logistics.
00:26:25.240 When you're fighting a war, moving personnel, moving equipment, moving ammunition, moving fuel, getting it forward projected to be able to be engaged in theater is really damn complicated. 0.99
00:26:40.540 Why is it that the Russians are getting their ass kicked right now in Ukraine? 0.99
00:26:45.540 Part of it is because the Russians are really bad at this. 1.00
00:26:48.800 They're sending their troops forward, and they're having trouble getting the equipment they're needing.
00:26:53.220 They're having trouble getting the fuel they need.
00:26:56.060 They're having trouble getting the ammunition they need.
00:26:58.520 The U.S. military is spectacularly good at this.
00:27:02.520 But if these are electric weapons, what are you going to do?
00:27:06.700 You're in the middle of Afghanistan.
00:27:08.480 Go get a 500-mile-long extension cord? 1.00
00:27:12.600 It's idiotic. 1.00
00:27:14.820 And look, Jennifer Granholm, you know, if she were just a TV pundit, 1.00
00:27:23.220 saying, well, gosh, this sounds wonderful.
00:27:26.020 Okay, that would be silly, but it would not be consequential.
00:27:30.640 She actually has a position Joe Biden has given her that is very consequential.
00:27:37.480 She is the United States Secretary of Energy, and she believes in seven years the military will just plug everything in and be just fine to keep our men and women safe.
00:27:49.220 That doesn't make any sense.
00:27:51.340 No, it really doesn't.
00:27:53.220 Finally, I want to talk about something that every parent needs to be paying attention to, especially with the upcoming elections,
00:28:00.140 and that is the left really coming after our kids.
00:28:04.300 This happening in a Vermont elementary school now, they're calling boys and men slash, quote, a person who produces sperm.
00:28:15.680 This is what they're now teaching your kids in elementary school.
00:28:23.160 We also, at the same time, Senator, have a Project Veritas undercover report that's coming out, or that has come out, I should say,
00:28:31.140 revealing how the medical industry looks at transition surgeries 100% from a profit perspective.
00:28:40.860 There was a doctor and a family medical medicine specialist at St. Mark's Institute for Mental Health in New York that was caught on camera saying,
00:28:50.280 we've got kids coming all the time dealing with mental health issues, and instead of treating their mental health,
00:28:55.260 what we're doing is we're telling them they should just transition, and then we're making money off of people with mental health issues.
00:29:02.520 It is disgusting to see this happening in this country, and you're trying to help stop some of this.
00:29:10.500 Well, that's exactly right.
00:29:12.180 You know, there's a thread, Ben, between the three stories we're discussing. 1.00
00:29:16.020 All three of them are asinine leftists. 0.99
00:29:20.660 You look at woke school districts. 1.00
00:29:23.240 So there's a district in Vermont, the Essex-Westford School District.
00:29:28.420 On April 20th, they sent out a letter.
00:29:32.460 Dear 5th grade families and caregivers.
00:29:35.380 So this is to 5th graders.
00:29:36.480 This is elementary school.
00:29:39.620 And the letter says, among other things,
00:29:42.260 in an effort to align our curriculum with our equity policy,
00:29:46.360 teachers will be using gender-inclusive language throughout this unit.
00:29:50.440 With any differences, we strive to use person-first language as best practice.
00:29:56.140 You will see examples of this below.
00:29:59.420 We will be using the following language with students.
00:30:03.680 Person who produces sperm in place of boy, male, and assigned male at birth.
00:30:14.220 And person who produces eggs in place of girl, female, and assigned female at birth. 0.64
00:30:23.320 So, among other things, understand, like the ridiculous phrasing that leftists had adopted like 12 minutes ago,
00:30:29.640 of assigned male at birth and assigned female at birth, that's no longer woke enough.
00:30:34.820 Like, even assigned male doesn't exist.
00:30:37.740 Female doesn't exist in these bizarre worlds they live in. 1.00
00:30:43.380 Person who produces sperm. 0.98
00:30:45.420 By the way, let me ask you. 0.56
00:30:46.640 You've got little boys.
00:30:50.300 You've got boys who are pre-puberty.
00:30:53.180 Boys who are pre-puberty are not producing sperm. 0.97
00:30:56.180 What the hell are they in this language? 0.93
00:30:58.700 Like, on that definition, you're not allowed to say boy.
00:31:01.660 So a three-year-old.
00:31:03.480 A three-year-old's not producing sperm.
00:31:05.940 They haven't hit puberty.
00:31:07.180 And yet, and by the way, these are letters going to fifth graders, some of whom will have hit puberty, some of whom will have not.
00:31:18.820 A person who produces eggs. 1.00
00:31:20.880 It is so extreme and idiotic. 1.00
00:31:26.080 And these are the people in charge of educating our little kids. 1.00
00:31:31.560 Yeah, you indoctrinate them to believe this stuff.
00:31:36.020 And then the scary part is, if you can move them to that, and then you can convince them that it's normal to want to change your sex, there is massive money to be made.
00:31:45.260 We saw this in those tapes that came out from Vanderbilt University, where they were talking about the biggest perk of having a kid go through transitioning and hormones and everything else,
00:31:54.820 is that you get a lifetime patient worth hundreds of thousands and then into the millions of dollars.
00:32:00.920 You now look at this Project Veritas video, and I want to play part of this, because I think it's really important for people to hear just how sick,
00:32:09.580 it's not even cynical, just how sick these people are, knowing they're taking advantage of people with mental health issues,
00:32:15.360 and using them to line their pockets with massive amounts of medical bill dollars that are coming into them,
00:32:25.140 and they know they have that patient, their words, forever.
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00:33:56.800 Senator, I want to play this audio again.
00:33:58.720 An undercover video amazing from Project Veritas.
00:34:02.240 The voice you're going to hear first is of Dr. Matthew Pabbas.
00:34:06.020 He is a family medicine specialist with St. Mark's Institute for Mental Health in New York, New York.
00:34:13.800 Here's what he had to say about a 21-year-old that came to see them
00:34:16.840 and how much money they could make off of them.
00:34:18.720 It's almost like she'll be a patient for life.
00:34:33.480 Yeah, in the beginning it's a lot of doctor visits,
00:34:37.160 but after a while you space it out and it's like every 6 to 12 months,
00:34:42.320 which, yeah, is being a patient, but doesn't seem so bad.
00:34:49.260 I was under the impression that I was going to take a cure and be healed,
00:34:55.780 and I didn't understand as a mentally ill child that I was signing up for lifelong medicalization.
00:35:02.920 That woman you just heard there, that man that transitioned to a woman,
00:35:06.880 is now an advocate, and you just heard her, what she said.
00:35:10.640 I'm dealing with a mental health issue, and I was told that if I went through the transition,
00:35:15.140 I would then be cured, and that didn't happen.
00:35:18.320 Now you're going to hear Nora Scott, who's a licensed social worker
00:35:22.260 with the Dell Children's Medical Center in Austin, Texas.
00:35:25.460 Listen.
00:35:27.060 I can say from here as well, there's a lot of our folks at our clinics
00:35:30.360 who are on the alcohol spectrum as well.
00:35:32.240 The amount of crossover between folks who are somewhere on the spectrum
00:35:36.160 and also somewhere on the LGBTQIA spectrum as well.
00:35:42.420 A person on the spectrum as well, 21 years old,
00:35:46.040 he was coming here, or at the time, well, at the time, he was coming here for mental health, 0.99
00:35:51.440 and he is getting his vagina next week. 1.00
00:35:53.680 Wow. 1.00
00:35:54.700 He is getting his vagina next week. 1.00
00:35:58.000 Came here for mental health, and now we're going to give him, in his words, a vagina. 1.00
00:36:03.980 You heard them talking about taking advantage of people on the spectrum 0.99
00:36:07.260 and people that are on the spectrum.
00:36:09.340 This is in Austin saying, yeah, these are great patients for us.
00:36:12.880 They're on the spectrum.
00:36:13.540 In other words, we can manipulate them and tell them to go through a transition.
00:36:17.660 We have a patient for life.
00:36:19.040 That was three different people you heard there,
00:36:20.960 three different areas of the country all saying the same thing.
00:36:24.340 You want a patient for life?
00:36:26.220 Don't worry about their mental health. 0.82
00:36:27.980 Just get them into transgender, all this dysphoria stuff, and we'll make money. 1.00
00:36:33.000 Look, this is utterly perverse. 0.97
00:36:36.920 It is horrifying.
00:36:38.580 It's big business.
00:36:39.520 You're right that many of these hospitals are making millions of dollars from this.
00:36:44.920 There are enormous financial incentives.
00:36:46.920 And I got to say, as part of that Project Veritas expose, as they were interviewing with Dell Children's Medical Center,
00:36:58.160 listen, Dell Children's Medical Center is an amazing children's hospital in Austin, Texas.
00:37:05.840 Heidi and I used to live in Austin.
00:37:07.320 I'd been to Dell Children's.
00:37:08.880 Our girls have been to Dell Children's.
00:37:10.600 It's a great facility.
00:37:11.860 In the course of that Project Veritas interview, the individual at Dell Children's Center said they will prescribe puberty blockers for children as young as eight years old.
00:37:30.240 Eight.
00:37:32.020 And so just this week, I joined with Chip Roy, a member of the House of Representatives, a very good friend of mine who represents that area.
00:37:40.440 The two of us together sent an oversight letter to Dell Children's Hospital asking about this policy of giving puberty blockers to children as young as eight years old, stopping them from the onset of puberty.
00:37:55.080 Now, I guess in the Vermont public schools, it would mean they never become boys or they never become girls because you stop them from producing sperm or producing eggs.
00:38:03.380 But it is remarkable that as young as eight, they're willing to give permanently harmful medical treatment, treatment that can sterilize kids, that can permanently damage kids.
00:38:22.600 And a few years later, many places are willing to engage in surgical operations to remove perfectly healthy organs, to castrate a child, to sterilize a child.
00:38:40.320 And I'm going to say as a categorical matter, no child, no eight-year-old, no 10-year-old, no 12-year-old has the maturity, has the self-awareness to make a decision to sterilize themselves for the rest of their lives.
00:38:58.300 And I think any parent who does that, any doctor who does that, any hospital who does that, is engaged in child abuse.
00:39:07.620 If an adult wants to sterilize himself or herself, that's a choice an adult can make.
00:39:14.100 But an eight-year-old child doesn't have the capacity to make that judgment, an informed judgment.
00:39:21.880 And any adult that facilitates sterilizing that child, I think is horrific.
00:39:28.780 You have no right to sterilize a little boy, sterilize a little girl. 0.99
00:39:34.320 And if that child decides later that he or she still wants to be a he or she, there ain't no going back once they've cut it off, once they've engaged in the medical treatments, the puberty suppressors, the surgical options. 0.68
00:39:54.260 Once that individual is sterilized, once that child is sterilized, he or she will never have children.
00:40:00.300 Is this ending up a Republican v. Democrat issue, or are there Democrats that you've talked to that are willing to see this for what this is, which is just pure evil that needs to be stopped, that's being done to these children?
00:40:16.900 You can hear it.
00:40:17.800 It's all about the cash.
00:40:19.240 It's all about the money.
00:40:20.400 It's about taking advantage of people on the spectrum, taking advantage of people with mental health issues, and profiting from their mental health issues that they need to actually get treatment for.
00:40:33.080 Well, Ben, I think there's a distinction on that.
00:40:36.120 There are lots of Democrats in America who are horrified about this.
00:40:40.580 Ordinary people, if you're living a life, if you're an ordinary person, if you happen to be a Democrat, you hear people talking about sterilizing eight-year-olds, and an ordinary person is horrified.
00:40:51.840 That's the natural reaction to that.
00:40:54.460 But here's the sad thing.
00:40:56.540 If there is a single elected Democrat in Congress who is horrified by this, I don't know who they are, and none of them are willing to speak out.
00:41:07.000 This is where congressional Democrats, they've gone to the extreme left.
00:41:11.580 There used to be moderate Democrats in Washington.
00:41:15.260 There aren't anymore.
00:41:16.800 And the dynamics, if you're an elected Democrat in Congress, you are responsive to the extremes, to the radical fringe.
00:41:24.980 And so I literally cannot tell you a single Democrat senator, a single Democrat House member, who has had the cajones, and by the way, maybe you do or don't have cajones.
00:41:40.540 Maybe they are or are not producing what makes you male or female in this weird Orwellian world.
00:41:48.160 But I don't know of a Democrat who's dared speak out against this.
00:41:51.320 Yeah, it's truly a sad subject, and I hope more Democrats will come out who are elected officials.
00:41:59.120 Let's start with one.
00:42:01.040 Yeah.
00:42:02.440 And just put it together and say, this is not a Republican-Democrat issue and should never be looked at that way.
00:42:09.460 Senator, always a pleasure.
00:42:10.860 Don't forget we do this show Monday, Wednesdays, and Fridays.
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