04-15-26 Part One - It's Tax Day!

Now, it's Red Eye Radio, Gary McNamara, and Eric Hurley

talk about everything from politics to social issues and news of the day. Whether you're up late or you're just starting your day, welcome to the show from the Relief Factor Studios. This is Red Eye Radio. >> All across America, we are Red Eye Radio.

He is Eric Hurley, and I'm Gary McNamara. Good morning. Happy Wednesday. >> Tax day. >> It is tax that get it in.

>> Now, I did see, you keep seeing the administration keeps promoting the fact that people on average are getting an 11% more back on their refund. >> Yeah, you're right. >> All right, I had to pay 60% more. >> Yeah, I paid a lot.

Now, the whole point is that's really meaningless. >> Right. >> Doesn't matter whether, you know, whether you get more in your refund back,

“or you have to pay more, because my actual tax rate went down.”

>> Yeah, mine stayed exactly the same as last year. >> Well, you know what, you know a change mine. >> Oh, being old. >> Yeah. >> Yeah.

>> So security. >> Yeah, that's right. >> I don't have to pay. >> You get that for, what, is it four years? The sun set on that?

>> And the big beautiful bill. >> No, no, no, I didn't get it for that. >> Well, mine simply the, they only tax 85% of my salary. >> I mean, I, I mean, that's right. >> Yeah, they tax 85% of my salary. >> Right.

>> So there was 15% of my Social Security, they don't tax. >> Right. >> Oh, no, no, no, I was, I, well, no. [LAUGH] >> No.

“Please, I mean, I think in order to be there, well, what was the baseline”

and the net one? >> I forget on the, on the, on the, on the, on the, on the income on that level. >> Right. >> Yeah, I, I, I don't remember for that group. Actually, because I'm not in that group, so I didn't really care. [LAUGH]

>> But there is a sun, I think it only, I think it's only for four years. >> Now, I only went down a couple of percentage points. >> Or two years, I don't know. >> Because Social Security is not, you know, it's not the largest part of all of my income. So, yeah, it just went down a tick, but I had to make sure I was on it's done it.

>> Right, yeah, I, my, my tax rate actually went down because, uh, because I'm an old man. >> We have, we have a friend who was really good at tax preparation. And she started doing ours a couple of years ago, and she does ours. And we had everything ready in February, so we did ours in February. It's like, it just, get it out of the way, I don't want to mess with it.

I don't like the idea of giving the, because I was paying at tax time, but I don't like the idea of giving them money early, but whatever. You know, maybe I was helping the economy. I'm being a patriot, you know, like Governor Hoekle says. >> Well, you know why, I actually had a paying a little more, uh, by, you know, when it came

down to what I owed them was because when I started collecting Social Security last October

first, I thought they automatically deducted it at the IRS.

>> Yeah, you mean your taxes? >> My taxes. >> Yeah. >> No, because they do it from my bank, I figured if they do it for any bank account that I have automatically, it just happens, they just look at, okay, we're taking this

amount out. I thought, well, they run Social Security, certainly they're going to take it out for that. And when I discovered it, you only paid once a month, you know, when I got that Social Security check, you know, in late October, I put in, you know, what, and they don't let you take

out, like you can't take out 1%, 2%, 3%, 4%, it's like, I know there's like 12% in 20%. And so, but by the time I put it in, by the time they actually got it through the system was December. So the first two months I paid no income tax, which is why I owed more. That's why I paid for it.

>> Okay. >> All right. But since it is tax day, we ended the show with this yesterday, and so we'll talk a little

“bit more about it today, but we have to, because it's April 15th, and remember, when I was”

growing up, you know, my dad hated, you know, 60s rock and roll. >> Yeah. >> He just, you know, in my house, you weren't allowed to listen to the Beatles. Not getting. >> Mm-hmm.

>> You know.

>> And, you know, it was basically classical music and John Phillips, who's a marching

bands. >> Okay.

That was it. >> All right.

“>> It was Bach, Beethoven, Chikowski, and Strauss' walls.”

I'm not kidding. I'm not making this up.

>> No John Paul, Georgia, Ringo.

>> No. No. >> Yeah. >> And my album. >> No, no Elvis.

>> Oh, man. >> No, no, my uncles and aunts. They were all into Elvis. His brothers and sisters. >> My dad was a rock and roll.

He loved, but he loved Buddy Holly. Elvis. No. I don't think he was much into the Beatles. My mom liked the sound of the Beatles.

But it's not like she loved the Beatles. I mean, you know, if it was on the radio, she would listen. >> My, my, I'm not, I'm not making this up. >> I think it's your, come on. >> Yeah. Yeah.

>> By the way, my father did change later on in the years we watched in a movie. Go, wow. That music, like if it was a top con kind of thing with the plain flying. >> Yeah. >> And it was like metallic in the background.

He goes, wow, this music really fits the excitement here. >> Yeah. >> I go, it's interesting how that, our sensibilities changed with that kind of music. >> Yeah. >> Because it used to be more of a big or orchestra approach to the soundtrack.

The soundtrack to a movie. And, and that was, and I, I love, like, John Williams is like brilliant. >> Yeah. >> Rick Biotto, a little follow him on YouTube. Make, make the greatest point about you know his songs probably in the world.

More people know his songs as music that he's created for movies. Then anybody else, do you know everything that he's done? You know, I mean, the most, the most recognized beginning of any soundtrack, or score to a movie. It's not necessarily the soundtrack like a pop song that plays in the movie,

but the score of a movie would be the theme to draw us. >> And I guess that.

“>> But, but Christmas music, I'll never forget.”

This goes back a couple of years ago. >> Yeah. >> Probably when Pandora started, and I went to the Transseberian Orchestra channel. I said, okay, Transseberian Orchestra of what else goes with it along Christmas time. >> Right.

>> I never realize how good the soundtrack from home alone is.

>> Yeah. >> It's a great, it's a great, that's John Williams. >> Yeah. >> It's a great, I mean, that's like, yeah. >> I never know.

>> It never, it meets every moment in the movie. >> Yeah. >> I know. >> Yeah. >> Wow, that's perfect, but getting back to my dad,

there was a children's, I don't know what the group was. I can't remember. But they did a couple of songs, and we got the 45, and I think my mother got it for us. And it was a song, and I'm not kidding.

That went Buzz Little Buzz Little Buzz Little B. And my father went, what's that? >> The smoke and hippies. >> It's talking about a buzz. >> No, it was sort of like monkeys kind of buzz little buzz little buzz.

Like monkeys could have done it. >> Right. >> But there was a beat. >> The group, the monkeys, not the primates. >> Yes, yes, yes, yes.

>> Right. >> And my father, what's that? What's that? Well, I don't know. Well, let's just be careful with that.

My father hated rock and roll. And so when I had to inform him years later about tax man, which just proved the George Harrison was the best beetle. >> Yeah, George Harrison was, yeah, he was on point. >> Yeah, he was, I mean, people thought I said,

"Dad, look, the beetles weren't as radical as you think. Here is the lyrics to tax man." >> Right.

>> And he went, "Oh, I never knew that."

>> Yeah, we were all laughing. >> Of course, that's the point where they became ultra rich. And of course, you care more about your taxes. What was it? One, 19 for you, one for me, which was actually the tax rate.

>> Yeah. >> 95% over certain amount. >> Right. >> I mean, you've got nothing. >> Yeah.

“>> And so that's why all the so many English rock stars left.”

>> Yeah, Stevie Ray Vaughan did a great cover that's on. >> Yeah. >> Really? >> Yeah. >> Well, see, they all related to it.

>> Right, exactly. >> When musicians were long-haired, hippy fiscal conservatives. >> Well, you know, we talked about it because, what?

I used to joke about, ah, these hippies. Well, the original hippies were libertarian government get out of our lives. You know, have some medical people standing by for the brown asset, but other than that.

>> Right, and the whole concept of free love was delusional. There is no such thing. >> Right. >> Well, that was a naive concept. >> I guess it depends on if you're fine free.

(laughs) >> 'Cause are we still talking to taxes?

>> But are we talking, are we talking,

“are we talking, are we, or Memdani's free?”

>> Right. Because somebody's gonna pay. It might be the other party.

>> Right, and one of somebody's always going to pay.

>> No, it's gonna pay. >> Very naive concept of the hippies. >> Just the way it is. >> Yeah. >> Just the way it is.

But yeah, we always talk about that. And it was, for the longest time. >> Government get out of our lives. Stay out of our lives. We don't want more freedom.

We don't trust government. We don't trust government. And of course, that part laid into somehow. I don't know where that threshold was. >> That's where it flipped.

>> Completely. >> Where you need the government to take control, complete control of our lives. >> The pathology of dependency. >> Yeah.

>> Yeah. >> Yeah. >> When you run out, that's, you know, because you start that, which Daniel Patrick Moynihan, a Democrat coined that phrase many, many years ago.

But I don't know if he coined it, he used it. >> Well, he used it a lot. >> Yeah. >> And so, yeah, because it actually is the probably a theory that's been talked about in psychology.

I don't know. But it's a, it's very simple. You don't just give your kids money. You create spoiled breads. >> Right.

>> They don't, they don't. It's the same. >> It's the concept. >> It's the concept. >> The concept is the same.

And it doesn't matter whether you're small or whether you're an adult. >> Right. >> If you get something for free all the time. If you have an earned it, you don't appreciate what you've gotten. There is no value to what you've gotten except for the immediacy of,

of the, of instant gratification. >> Right. >> And when that, and the more you get that, the more you're conditioned. And that becomes pathological. It's once you try and stop that.

And that's where we are. As a nation, that's where we are with a national debt where it is. Go ahead, start talking about making actual cuts, actual cuts.

Just one percent, a 1 percent haircut off the top.

Think about that. Just 1 percent, you know, the penny plan. And one penny every dollar.

“It's not going to happen because then you have to say, well,”

we're going to cut from this program. Actually, the haircut across the top would be every program. And it would be outrage. And that is the pathology of dependency at work for a nation that is given up on its national debt. >> Right.

The poll that was imputed to the poll. I can't remember who did the poll. I was at Rasmussen. I can't remember. And it showed that doesn't matter whether you're a Democrat or a Republican.

>> Right. >> That everybody believes that we spend way too much money. But the only thing where a majority of people wish to cut is for an age and wasteful spending. >> Yeah. >> And the majority of Americans believe that will balance the, but anything else.

Every single thing else in the budget. >> Yeah. >> A majority of people want more money spent on it. >> Yeah. >> Including all the things that benefit them.

>> Yeah. >> They want more tax payer dollars to, you know, every single welfare program that exists out there.

“The only thing that the majority's agreeing on is foreign, you know, foreign aid and cutting foreign aid.”

>> Yeah. >> You got cutting foreign aid and wasteful spending. And they believe the budget can be balanced if they do that. >> Right. Yeah.

>> And that's the biggest news poll last week where everybody believes the majority believes they pay way too much in taxes. And as we have told you before, half of Americans don't pay in according to the latest figures from the IRS. 40% of taxpayers are negative taxpayers, which means they actually get cut a check. >> Right. >> Yes.

>> Right. >> I paid too much. You're getting money back. You don't pay anything. >> Well, it's a welfare program for you.

>> We go back when the Republicans were doing their tax thing, which is, tax thing, which actually increased Ericsson and Gary's taxes. And part of that was Marco Rubio, then a senator, and Mike Lee, pushing for a larger fully refundable child tax credit. And we were like, well, hold on a second.

Whoa, whoa, whoa. This is not a conservative move made by a couple of guys who were considered to be conservatives within their party in the Senate. And they pushed for it and got it.

And we've always said, no, to a separate welfare bill,

if you're going to do some kind of credit or money going to families for children, because if you're getting back more than you paid in, that is welfare. >> Period. >> You know, that's funny. If you've seen some of the analysis of the Prime Minister of Hungary, getting blown out.

the moral of this story is if you're going to throw out,

“whether you call it liberal populism or conservative populism,”

where the government gets much more control of the capital, you cannot keep the economy running and you can't control prices. >> Right. >> And if you can't do that, all the I care about the working man crap means nothing. >> Right.

>> It doesn't matter what does it mean. >> It doesn't matter if I'm downy with the whole thing. Again, the first door or Republican conservatives. >> Or Republican populist. >> Or Republican populist.

>> Just Josh Holley, we've talked about it on a couple of different issues. You know, wanting to control what banks charge on credit cards. You put in price controls on the interest rates. >> Or you can make the example of tariffs. You can talk about what we're going to have.

This is going to create tens of thousands of new manufacturing jobs. >> Yeah. >> We've lost 80,000 in the last year. >> Right.

“>> And so you can promote, you care about the working man.”

Look, I'm not calling Republicans or communist. Some Democrats I can. But what was the whole communist slogan? We're for the working class. >> Right.

>> Yeah, you start there. It's a line of crap. If you want the economic political system that is more pro-worker, without ever saying it, which is viewed as the opposite. >> Right.

>> It's free markets. >> Yep, the ultimate. And the evidence is clear through history. It doesn't matter. >> Right.

>> We want to buy the BS, the government control of an economy. >> Yeah, more of it is better for the working man. And it's a load of horse manure. >> That's always as bad. >> That the people in power can save you.

And they're going to save you this way.

And it always ends up being just the opposite.

We'll have some of the tax figures. >> Thanks. >> All right. We are Red Eye Radio. Brought to you by Hot Shot Secret.

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>> Get in touch with Red Eye Radio, toll free at 866. May be Red Eye. [MUSIC] >> We're on our menu. He's here, probably, and I'm Gary McNamara.

One of the things about you and I best for decades,

that I said I've never gotten an answer.

Yes, I did get one answer on it, which is what is fair. >> Right.

“>> And the only thing, and I don't get it anymore,”

but this was like the first 10 years when I was doing talk radio, and people remembered what the tax rate was and great Britain, and things like that, and people would say, well, billionaires should pay 95%. Or the rich should pay 95%.

And then that dropped out when people realized that was ridiculous, because we couldn't be competitive. We're a wide, if we did that anymore. But it says the Wall Street Journal, the notion that America's income tax is biased against the working class

is progressive fantasy, according to the official numbers from the IRS to latest, top 1% income tax filers, contributed 40.4% of the revenue. It's a top 1%. The top 10% of filers, 72%.

The top 25%, 87.2% of tax revenue,

the bottom half, the 76.9 million filers,

on the bottom half, paid 3% of the income tax revenue, their average rate, 3.7%. [MUSIC] Hey there, I'm Paula Penn. I help people make the smartest money decisions possible.

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Afford anything. Follow and listen on your favorite platform. [MUSIC] Catch red-eye radio live every night on the red-eye radio app available in the app store, red-eye radio.

[MUSIC] And I'm Gary McNamara, along with Eric Carly, more on taxes and, as I call it, a pigly mandani's grocery. I saw that.

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A relief factor at 1995. Yes. So the final thing in taxes here on the April 15th. The Treasury Department's Office of Tax and Analysis estimates averaging come tax rates are effectively negative for the

bottom 40%. Which means they pay nothing or get a refund. Right. Well, actually it's the top 50% don't pay an income tax. The 40% actually get something back.

It may not be a lot, but they get the income tax credit. What do you call it? The child tax credit, whatever it's called. So the bottom 40% it's not just a child tax credit though. Yeah, it's changed.

Yeah.

“I remember one year, a 10 years ago my brother said I got a check from the IRS.”

With his losses and everything else. It was a bad stock market year with his losses. Yeah. He was I don't know what it was, but he said I actually got a check. So what are you talking about?

I'm getting money. Yeah, they're paying you. Yeah. He was the only time it ever happened to him. As a point out here.

And this is this is really the ultimate BS that the American public is accepting. Democrats keep telling workers and voters that they can have European benefits. And the tax bill will be covered by Uncle Fat Cat.

But the reality is Europe's for big government by taxing its middle class more.

The reason the left loves the fair share language is that it excuses Democrats from ever having to define it. Yeah. The word fair is one of these ambiguous terms. Really, if you think about it, there can only be determined by the parties that are responsible for any whatever arrangement you're talking about. If you go and you decide it's fair to pay 150,000 for that new pickup truck.

Then you've made the deal. You decided it was fair. You did it. Fair is decided by the people again responsible in that arrangement, that agreement, that contract. In this case, what the liberals want to do is they want to apply the word fair.

The rich need to pay their fair share.

“But they don't belong in that group. It's easy for them to say, yeah, they need to pay more. They need to pay more. They need to pay more. What about you? Do you need to pay more? No, I need to pay less.”

But it's the it's the same thing as the late great Milton Friedman said, and I'm paraphrasing here, but it's accurate. Yeah. He said.

Yes, because you pay for it. Whether you spend and pay for it upfront or whether you borrow it. Yes, and create debt. Right. Either way, you are paying it through interest.

Inflation or actual cash. It is the credit card approach. Oh, I just swiped a card very simple to do. Just swipe the card. I didn't have to take any money out of my bank account.

“Maybe I didn't have any money in my bank account. That's why I used the card.”

And I went and I swiped the card. That's one little action or tap the card or whatever you're doing or even using your phone to pay now. And then you get home with all this cool stuff. But you're going to have to pay for it. You can't borrow and borrow and borrow and borrow and borrow.

And we always got the kickback over the years you and I have been talking about this.

We would always get the wool wool. There's a different scenario between the micro economics and macro economics and blah, blah, blah, blah. The same principles apply that you cannot borrow and incur greater debt. Further and further and further and further without at some point reaching a threshold. That threshold, the first threshold will be not being able to fully service the interest on the debt, just the interest on the debt,

which is growing every day. The interest is grown. Well, that comes out of the revenue that is going to be in part collected today by the IRS. We have to pay that interest on our national debt. That's how it works.

“And when we can no longer as a nation afford to pay the interest on the national debt, that really is the tipping point.”

It's the critical tipping point because at that point programs just go away. There's just, well, because you're going to pay the interest. Yes, exactly. You're going to pay the interest because the system collapses, which means you will cut and there's nothing you're going to be able to do about it. Because you're not going to be able.

Well, and then what happens is what naturally happens. You know, it's like if you get behind in your credit card, then the late fees keep coming the late fees and then you can pay it. And then you're sitting there and you're just, you know, you may pay the interest payments. But the principal still stays in the principal still stays. You can't get rid of it.

And you get into that financial cycle of doom. Right. That I dealt with when I was a bill collector. Right. Yeah.

And it's impossible, you know, to get out of it. I don't know how we ever get out of it here.

And, you know, you've got, I've always sought irresponsible people that have, you know, that have positions of power and government.

Fed shares, you know, treasury secretaries, presidents. It's no problem. You know, that is just something that all countries work with. Yeah, right. And no big deal. Right.

You know, it's, it's, it's down the road. Look at, look at, you know, now with their looking at for, for a sole security. You know, it's, you know, it's going to be in the next five years. I've got to do something. Oh, the, something has to be done because that'll be right before I start collecting.

Yeah, they say, you know, it's like, well, we're not going to change anything. Yes, they are. You have to change something. They're not going to take benefit, but they're either going to take it from the general fund. Or they're going to find a way, you know, you and I've talked about the variety of different ways.

And the groups together, well, maybe we should do this or maybe do that or maybe, you know, increase it another, you know, increase it another year. Now they're talking about as we talked a few weeks ago. You know, the, you know, cutting off the maximum of sole security. Not indexing it for inflation inflation. They're talking about a ton of different things that they, you know, that they might do.

I forgot what the limit we talked about a couple of weeks ago with the, with the one or it wasn't Congress, but it was an organization. Yeah. So you can make it here if you limit it, you don't let people get, you know, more than, you know, then this amount or whatever or you just, you change the system. The system to a welfare system. Well, because the security not so security, but you make it just an additional welfare system where you just have the, the, the rich keep paying more, but there's no return.

For example, if you wait till 70. Yeah. As I did, you collect more. Right.

You collect a third more than you do at 66.

Right. A third more. Well, I was working. I'm like, well, why not? Right.

Never thought.

“I'd be such an idiot to sit there and say, Oh, I think I want to work out for 70.”

Yeah. What a good idea.

And somehow, you know, and then with working with you early on, I go, no, I could stand this guy for, you know,

21 going on almost 21 years. Yeah. And here I am. Okay.

I'm in a bad relationship.

And even I guess the, the bad intimacy with you and the studio is better than no intimacy at all. At least I can talk to somebody. At least you get aside from your cat. At least you get to talk to somebody.

“You know, the funny thing is, I never forget, you know, and I exaggerate how pitiful I am.”

And you actually have a better life than I do.

And so you, but it's, I'll never forget the one time where I just must have been in one of those weeks where I was just, you know, really, you know, playing with that.

You know, playing with that. Yeah. Yeah. Yeah. We're going to be writing me. Are you really that lonely? You know, I've got a daughter or I've got a bunch of like, no, they've written me. They're, they're, they're, they're really not over the years. They're written me go listen, I didn't want to ask him directly, but you know, do you think there's no like, he's, he's, he's doing okay. It's, it's a fight. It's exaggerated just to, he's just a tad. He's exactly. He gets out more, my, and my wife, my wife, my wife, and my wife are wonderful.

But you get out more than I do. You're more active than I am. But, you know, but you think about that. What, what they do to fix those security, there's all these different remedies that they talked about, raising early retirement age from 62 to 92. That, well, I really thought of this as I talked about, yeah, you and I talked about what would be the easiest way to do it because that's what they're always looking to do. It's why, why the Democrats always, and I'm, I'm being, no kidding here, Democrats believe that the people to vote for them are idiots, right?

The most successful lie Democrats have had is that, hmm, we're going to tax the corporations and you're going to benefit out of it. And you're not going to have to pay anything. Right. It won't affect you at all. Right. When it, when it hurts, the poor in the middle class, the most, well, it's the poor of the most. Right. And the middle class next because they have less expendable income. And it's a stealth tax and there's nothing more that the left loves than stealth taxes on the population.

“And that's what, I think that's another remedy they're looking at is maybe on the fight attacks going higher on the employer side exactly.”

But the employers responsible for, and, and so then they can say, oh, there's big corporations there. That should be paying more into your retirement. You worked hard, you know, for them all your life, which, you know, today people don't work for corporations for all their lives. And having said that I've been here 30 years, but most people don't, don't, and it's been different corporations, but it's been a lot of five different corporations. And so, you know, that's when you look at it at that those those remedies are that it's all right, you're going to have to move probably a few, you're going to have to move a few pieces of the puzzle.

You're going to, I likely, there will be a, I think, eventually a means test. That will say, well, if your net worth is this, then you don't collect or you collect the very minimum or something like that. I, because, you know, the rich, the wealthy, they're going to look at that and say, well, you know, there's not much I can do. We don't really. While we give big donations to political parties, yeah, other than that, we're not going to scream about them, not giving us our whatever it is 5,000 a month, starting at the age of 70.

There was a article the other day, because it's tax week, how much Harrison Ford likely collects and it had nothing to do, they had no idea how much he's put in or anything else, you know, they were just using him as an example, because I think he's, what is 80 something now, you know, and, and he probably collects the maximum and basically it was just one way to get people's attention. Here's the rate of of what you would make if you retire at the start take right if he took if he was, if he was single, it'd be 51 100.

Yeah, so, you know, those, that's what you make tax on my thing. And so, you know, you look at it and it, it's they're going to, they're going to have to move a few things in order to fix that 50 100 a month, just right, right, I think they come up with 47 because he's married.

“I think, okay, maybe, yeah, I think I think that was the figure, but it was again just based on somebody that age that's been paying and the sumings been paying and I guess it works as for actors too, so yeah.”

We are right, I radio coming up more with Gary McNamara and Eric Carley, it's right, I radio.

Here is billionaire Stephen Clubak who told him to get the, he was staining his house.

Yeah, but yeah, he told him to get the F out of his house, but he also said this.

“Bad, I am no longer a Democrat, I know a libertarian Republican because that's what a blue dog Democrat used to be.”

What a line of horse manure. Yeah. Yeah. I'm not a libertarian. No, you're not.

There's no way you're not anywhere. Well, well, or any Democrat anywhere and in one day change to a, you can say, I reject the Democratic party. I'm going to be an independent, but what you're saying is you're saying that your political ideology changed because of him, unless you were believed that Swallwell was somehow a conservative libertarian. Well, exactly, you're saying that if these allegations did not exist at all, you would have not supported him as governor. Of course, you would have, and he's not a libertarian, and you're not either.

Top of the our news is brought to you by how product is at how products.com. This is Red Eye Radio on Westwood One. Now, it's Red Eye Radio, Gary McNamara, and Eric Hurley, talk about everything from politics to social issues and news of the day. Whether you're up late or you're just starting your day. Welcome to the show from the relief factor studios.

This is Red Eye Radio. All the cross America. He is Eric Hurley and I'm Gary McNamara. You're doing the same thing at the opposite end of the building because I was in there and all of a sudden talking to the guys and all of a sudden running hits the button. I hear the music.

Are we on? He goes, yeah, I'm like, really? I heard something. I knew when I left the studio. We had about one minute left.

I said, that's enough time for me to go out to my truck and grab. I had a soda out there, and so I did that. And then I heard something when I got back in. I was like, okay, ran back in. For some reason, I just, I can time it to where I set down headphones on. My cousin as soon as big guy finishes the intro, and I'm here.

Isn't it amazing because people are asking, what was it like the first time you talked into a microphone?

And I remember where it was at the college radio station. And I remember the song. Christmas, is it? No. What is it?

Maybe you're Santa Claus by Martha Uble. Oh, wow. That was the first. And I remember having to go, and I went like the song's ending. I think it was a zeppelin' tune at the college radio station.

And we only broadcast in the cafeteria at Erie Community College North. Yeah, right. All right.

I went my first two years.

Yeah. And so the song's ending and the microphone's on. And you're thinking to yourself every single person in that cafeteria is paying attention to what's coming over those speakers. Right. And what was the reality?

Nobody was paying attention to what the squeaky voiced guy was talking about or cared about when he was talking about. We'll see. But still, I went like this. And I couldn't talk and just put into the song. After the song, I did it again. I went and couldn't talk.

Yeah. Three times, I could not talk.

“That's how afraid I was of the microphone.”

And when you just said it there, I mean, and when you do this is many hours. And I did figure out where between 45, why I'm between 45 and 50,000 hours of doing this. Yeah. It's just amazing how. Because the lessons I remember when you go on the air, make sure that in your mind, you're talking to one person.

Remember that? Yeah. And it's like, I don't think anything. I just go on the air. Or could I have a conversation?

Yeah. I don't care no. And we know people are listening. But I mean, I don't care anything about the audience. It's about me.

And I have been a good time. I actually had an owner of a station come in and he. Uh, this is guy who was, I mean, top Texas oilman walks in, you know, worse suit and tie every day. Drink, piping hot, black coffee all day.

“Worked out between 5 30 and 6 30 PM and his home gym every evening, because if you ever had to call him at home, that's what he was doing in his wife would tell you.”

And so he comes into my office and he sits down and goes, let me ask you something.

You, you own the station. You can ask me anything.

“He goes, why is it good to own the one on the air when I'm listening.”

It sounds like he's talking to me and not at, well, kind of a thing they taught us early on in my career that you focus on like you're talking to one person. And if you're not talking like you and I are talking to each other again. Yeah, we're talking. We really care nothing about the audience. It's not true.

We love you with the station and cares. Don't forget your umbrella and your pants.

But it's, we, and I said to him, I said, I always do.

I always think of it as, uh, just a, a friend. I'm not a specific friend. I don't picture anybody in my mind, but if I was on the air solo. It was, I'm talking to a person. I'm talking and, and that's kind of, you want to be personable.

Uh, you and I are talking to people. We're talking to each other. Um, we don't really like it, but we have to do it. They were contractually bound to do it. So it's, we're forced.

It's like, it's like marriage. There's a contrast. It's, it's too tough to get out of. So you just, but it's, if I get, if, if I quit tomorrow, do you get half my stuff? Yeah, no.

No. And I don't want it either. In fact, if, if, uh, if you go, you can take all my stuff. Um, but no, it's, it's, it's, it's, it's, it's that, it is that thought process.

“But I'll, I'll never forget Mr. Moran coming into my, my studio.”

And, and, and I said, by the way, I, I consider that, uh, a compliment. And it says, well, can that, can that be taught? And I'm, I said, well, yeah, I, I think so. So, but, uh, it's, it's, it's only, you know, it's, it's not just about the teachers about the student, but it's, it's, it's, and it, it's, um, you're right.

It was, there, there, there were the, because there would be these seminars. And I actually went to one seminar, uh, Dan O Day's seminar. That. Oh, I remember Dan. Yeah.

And it was great. I thought, okay, here we go. But no, there were things I took out of that. And, and still apply today, and that is, you're going to have to, at some point, share something a little personal moment with your audience.

Now, I wasn't doing talk radio. And I think everybody in that seminar was, we're probably music DJs. Uh-huh. And so, but, if, if you think about it, you, you're, you're having a conversation, you're having, there, you have moments where you have to inform the audience.

We have breaking news and we cover that. There, there are stories where we'll go through the details and break it down and give our thoughts and, and that applies there. But, but you also share something of yourself so that you build that relationship and trust with your audience.

So, you know, I mean, that was part of it. You know, I, when I, when I look at, you know, the, the entire career.

“I think one of the, the key moments for me is when I got hired at our”

great affiliate in Portland, Oregon, KXL, that was going up to a talk 25 market, which was huge. Yeah. And, and I remember during the process, because I was in Buffalo at the time, and, um, I wasn't going to go unless it was a really good offer.

But I remember I knew a ton of the people that were applying for that job. And I went, I'm a nobody. I, I know of these people. There's no way I'm getting this. Yeah.

And I'll never forget the program director who hired me, Mike Durks.

And I talked to his, his wife Marie just this past weekend. Yeah. He had a great conversation. I didn't talk to her in a while. And it was, it was great.

But Mike Durks hired me. And, and I asked, why me? And he said, you're audience likes you. That was it. Yeah.

Yeah. He got to be a part of building that way. He said, you know, you know, the issues, but they like you. Right. Yeah.

Really not everybody. Right. Well, you haven't seen all the response I've gotten.

But I thought we saw that that was, that was really, I always thought that that was interesting in it.

And it, you know, and it did help form. It, it helped me bring out what I wanted. What I was bringing out, but always focused on, on, on bringing out, you know, just being. Well, you know, you know, we still haven't on our thing. If you go to a thing, it'll be regular guys.

You ever see that? Yeah. Yeah. Yeah. That was when we first, they're regular guys talking.

And, and part of me says, well, we are regular guys. Yeah. But I'm fairly regular. But regular people, you know, read. But even then there's a part of me that says, well, they do the regular guy radio is,

okay, they do Baba radio. They really don't know what's going on. But they're regular guys who are glutless. And that's why. Yeah.

You and I both come from a blue collar background. Yeah. You know, we, you know, we, our, our, our families were, we're blue collar. You're, you know, blue collar military. Mm-hmm.

And so we really are, and most of my servants that work for me are, are, are, Well, collar is well. The other thing is still, I mean, we, we talked about it all the time.

We still do, and I always will.

I don't care how much I stay in the business or how much money I have. I'm never going to live in a mansion. Yeah. It's not me. I'm always going to do my, well, maybe.

That's like it. I keep forgetting, you know, always done my own lawn. And always, you know, we, we talk about that. People go, you're the only damn national talk. So, host a talk about cutting your lawn.

“It's like, yeah, but that's what we're doing.”

Well, we're not, we don't, we're not based. And we love the fact that we're not based in New York or Washington or LA. I, I thought about, we loved it. Over the last 12 hours or so, I thought about calling us Stephen Clubebett, because he has a room open.

And now, and now that he's a libertarian, I'll fill right in. I don't, I don't, I don't, I don't, I don't, I don't, I don't. No, I, was it either Fox News or New York Post, before a two of them as the sugar daddy? It's like, it's just weird.

It's weird. It's weird. To have sleepovers at a billionaire, because it's more than a sleepover. I'm assuming he had a toothbrush there. I mean, it's, and two days after he left,

he would always send cookies and pastries.

Yeah, no, that's what, yeah. We don't, after a couple days after he left the house, he would send cookies and pastries. Now, now you're making it weirder. What? It's because, yeah, if they said, if they said,

clubebett and swallwell grew up together, went to grade school together, went to high school together or something, went to college together or something. There was some kind of relationship before, a swallwell got into politics.

“Then you, it's like, okay, I see the connection, right?”

I don't, I don't, and, and people talk about well, people go to Marlago all the time. Well, no, that's a very different situation. That's actually a Trump headquarters. No, and it's a, you know, and there's also a destination.

Right, so it places to stay. Yeah, it's, it's not a, you know, that's not a sleepover situation. I've been with Elon, but other than that, it's not. Well, it's, it's like, I've always thought, you know, because I think about the clubebett thing and, and swallwell doing it

and I thought to myself, I think about there's only really two lifelong friends I've had, where Memorial Dow was going to visit my, my buddy, Jerry, and his wife, Mary, and I'll stay there. Jerry, Mary and Gary. Yeah, Jerry, Mary and Gary.

Yeah. And yeah. Yeah. We got to go to, uh, two frogs. Oh, yeah.

I got to go to two frogs with that chocolate beer. Get the coconut chocolate beer, which is really a dessert. Yeah. It takes like three hours from you to drink that. Yeah.

It's so thick. Sounds delicious. Yeah. But the carbs in it. But, you know, I'll, I'll, I'll check that out.

Yeah. But I've known them my whole life, and I feel totally comfortable. And yeah, I don't want to probably be my, my buddy, Jeff and his wife, Holly. Right. That hasn't happened as often, but if they said sleep in the couch,

be no problem. Anybody else, like anybody that I have met, like recently, or you meeting your adult, I mean, I know them since I was a kid. Right. Right.

And I know that they're all real, same thing. We get together every year, go out to the ranch. But one of the guys has a ranch. Uh, we get to, uh, shoot targets. We get to hang out, do some fishing, do nothing and just reminisce about, uh, being grade school kids in Del Rio.

And that makes sense. That's a reunion. And well, I even have like, you know, there'll be different relatives when I go back to say, you know, cousins, but I've come state with us. I'm like, now I got my hotel room.

Yeah. Yeah. You know, I just feel more comfortable. Right. But who just, you're a billionaire?

All right.

“How come we don't have any billionaire friends that we can hang out with?”

Yeah. I'm looking right now. In fact, I'm thinking about. I don't have one billion, and by the way, the guy who called a few years ago and said, Eric and I are both billionaires.

That's false. Yeah. But we would like to be billionaire adjacent just to hang out.

Well, you know, here's the thing.

And by the way, what are yacht chicks? I saw that yesterday. I saw that yesterday. Swallow with yacht or not yacht chicks. Swallow was with yacht girls.

yacht girls. I don't know. What's the depth of that? Is that like an accessory that you that when you buy the yacht? They say, well, you can also.

I don't know, pay girls to be on board. That doesn't sound. First of all, doesn't sound legal. Do they only like Michael McDonald and and the guy who did Christopher Cross? Yeah.

I mean, what's the yacht music?

“When I saw that, the picture of Swallow with yacht girls.”

Yacht girls. Yeah. Yacht girls. And he's wearing this rompy t-shirt. I mean, I know you're on a yacht.

You're on a boat. But man, dress up. Here's the thing though. Forget about being personally uncomfortable about hanging with somebody who you really don't know who they are.

Right. Because I talk about when I talk about my best. We go to the wall for each other. We trust each other. Or you know.

They're nothing. We know you. They're no right. Their family is family can get. Yeah.

And they know you. Yeah. But the other thing is.

“And I'm talking about the point of when I'm talking about 20, 20 by the time”

I got to be 20, 21 years old. And as soon as I got in the media, I did not want to owe anybody. Right. And when I'm going to talk radio. Yeah.

I purposely kept relationships with politicians or anybody. Of influence. There wasn't a big thought process of it. I just said, no, I'm not. It's best to keep that.

It's best to keep that separate and not get involved. And if I was a politician. I would keep an arms length between me and donors. Well, I mean, perks. If I know I have to get donors.

Yeah. And professionally we would have a professional relationship. And I know I'd have to go to the parties and everything else. But it would stay professional. I'm not going to have the even the semblance of a conflict of interest or

Owing somebody something more than what I have promised to do in political office. I just wouldn't do it.

“And when my friend role or cheese was chief of the US border patrol,”

there was, there were boundaries.

And for me, he never, he never said anything.

He said repeatedly, hey, if you ever want to have me on. You know, it's tough to be on it midnight. And he worked for a living at that time. He's now retired. But he was very gracious because he was on Fox News all the time at that time.

And I can verify all this because I was in the studio. And it was like, you just, you know, you just, you didn't want any conflict at all because I don't want any tension of the relationship that you had. I don't, and I don't want to do it with that. Right.

I don't want it to affect his career in any way. I don't want it to end because I can't speak for him on any of those issues. I could read a quote of he quoted in an interview with Fox News. I could read you that quote. But everything, there was, there was a rule, very clear rule with me.

And that is if, if we ever, but when we exchange texts or anything like that, everything is off the record, if we're going to do anything on the record, it would be an interview. And we would do it on the air. Well, those are things we take seriously.

And I mentioned that the people that I met this past weekend, but I said, I'm not going to give you any details of where they're from or anything. Right. Because I did not tell them that it was off or on the record. And if I don't tell you that, then it's all off the record.

Right. And I'm going to protect your privacy because you're not a public person. Right. You know, I talked about what they, but they said, but I'm not going to identify them.

You and I actually take that code that we never really thought of much.

It's just a part of what we sort of knew was logical. Right. We've always just said, no, it's, and so the, The thing of having a sugar, a billionaire sugar daddy is weird. And that, and that couple you met and talked about that was liberal over the weekend.

You know, we won't give their last names. We'll just call them Bill and Hillary, but it's, you know, just keep that, you know, private. No, they, they were nice. Yeah. Plus it's impossible to believe that Bill would be at a bar with Hillary.

So probably not a good idea. Yeah. Yeah. We are a radio. This morning's USDA Farm Report is brought to you by house products.

We've tested, trusted, guaranteed since 1920. Early season heat and areas of the southeast had been Atlantic this week. According to USDA, we are all just Brad Ripy. The immediate concern is in drought affected areas with this early growth and the higher evaporation rates that come along with higher temperatures.

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“I'm Rod Bane reporting for the U.S. Department of Agriculture in Washington, D.C.”

This report brought to you by Semax fuels and looms. He lines open for your goals. 866-90 Red Eye on Red Eye Radio. Where were I radio? He's here calling.

I'm Gary McNamara coming up on the bottom of the hour. We're going to talk about pigly Mondani's grocery store. Mondani wiggly. I didn't know I'd know it was fun to do. And I got to put the bigly in there instead of the wiggly.

But we'll simplify coming up. How much does it actually cost? (music) You're listening to Red Eye Radio from the Rally Factor Studio. (music)

Where were I radio? He's here calling. I'm Gary McNamara. Good morning. Good morning. Welcome. Well, Mondani in his grocery store. They're going to have greeners.

I don't think so.

“I don't know if they can afford the labor cost of a greener.”

It's really fascinating. And it's really pretty simple too. When you get into the numbers and again, everything in business is about the business model. And you and I love talking economics.

And we love talking business models. And whether something is going to succeed or not. For example, the UFL, United Football League.

You and I've always said what the hell's the business model of that?

Yeah. What is the action when you crunch the numbers? Like, nobody ever makes a profit. They always get new owners. You're like, what's the business model? What's the business model?

You can go back to the old American football league. Way back in the '60s and say, well, the NFL didn't cover as many markets. There were actually football markets that were there. Yeah. But eventually you had to spend money as they did to get draft choices from the,

you know, with they draft someone, the NFL would draft them.

“I remember some of the stories of when I believe it was.”

I don't know if they were Dallas or they were Kansas City. It was the Dallas Texans or whether they had become the Kansas City Chiefs yet. But the stories of Otis Taylor, the wide receiver being hidden in hotels by the American football league. Trying to keep the NFL people from signing them. I mean, it was just, it was really incredible.

And then really, you know, when you got to 64, 65, 66, when you, when name of the sign, everything got serious and then they did the merger. Yeah. And, and that had to be the ultimate goal. That had to be the, the goal.

But when you think about it, we always look at business models like that because we say,

it's minor league football. Yeah. The players, most of players probably won't be the next year. They'll be somewhere else. You know, what is it with so many entertainment choices out there?

What is the chance it's going to work? Right. Then when the government decides to get into business. Yeah. In fact, when Tommy is going to buy the UFL.

No, I'm kidding. When, when you look, for example, at his grocery store plan, which is pure communism. Because communism is when government. Socialisms where government has control of capital and has more control of capital and more control of capital. But communism is when they own it. There's no private property by the next the goal.

If mom Donnie did buy the UFL and Kaepernick decided to go play in the UFL and they censored him. That would be the government censoring. That would be censoring. Yes. It would be censoring.

That would be. Let's see that happen. Government censored should very good. Of course, they wouldn't censor him. I'm Donnie would put him up there to give a speech or whatever before every game.

But the figure came up that they wanted to build what was five grocery stores. And they were going to use 70 million as the startup capital. That was the price for all five. Right. All five.

And the the first ones already cost 30 million.

And it's not open yet. Won't open until 2029. Yeah. Because they have to build it. Right.

They hope to have the first one open by 2027.

And he announced yesterday. Well, all products are not going to be cheaper. Just a basketball. Oh, oh, oh. But it made us say, OK, let's actually look at what the figures are of grocery stores.

Okay.

“How much does it take, you know, to get a large grocery store?”

And I guess I don't think you would go, I don't think you would go to the level. And we talk large suburban shopping, you know, plays a kind of grocery store. I don't think we're talking about like the super wallmarks with clothing and everything else in there. I think we're talking supermarkets. This would be a full grocery bakery, Delhi meat, produce household pharmacy.

All right. And that wouldn't even be. I've a target super store around me. That wouldn't include that because they also have an entire clothes section. Right.

Even some of the croaker do. Now, will they have a clothes section in these stores? I don't know.

“But when you look at it, I've seen figures anywhere for a large grocery store.”

Now, a large grocery store would be 20,000 square feet or more. Now, the one they're building that they're going to build from scratch.

And one that's cost 30 million already is 9,000 square feet.

So it's half the size of what the retailer's website, the future of retail business, did a research on last October. So you can't really look and say, my concern was are these numbers. Is it has inflation if they were five years old, these numbers might be 20% higher. Now, I wanted to do an accurate representation.

But this would be a 20,000 square foot shopping grocery store with a full grocery bakery, Delhi, meat, produce, household, and pharmacy employees 30 to 60 staff probably close to 60. Start up cost one million, 20,000 dollars. Working capital, you've got to have the money for 12 months already. The majority of the money because the total is 3.4 million.

Now, it depends where you are and where you build. But this is the, they look at this as the average. And that's a 20,000 square foot twice a size of what Maldani wants.

Working capitals, 2 million, 50,000, emergency fund, 300,000.

So you've got the 3.4 million you have almost 2.4 million of it is working capital for an entire year plus an emergency fund. And I did see figures of saying some super large grocery stores might be 10 million. But those would be grocery stores that have double floors that have elevators or escalators. Things like that, I don't know.

I don't believe a 9,000 square foot one would fit into that category. A 20,000 square foot one here would roughly be 3.4. But we said, let's take the maximum of 6. I saw 10, somebody said 10 yesterday, but they didn't explain how. They didn't have the breakdown of it.

And I remember this is a large grocery store 20,000 square feet. So let's say it's 6. Already the start-up costs are 5 times greater. Right. And they've already said, remember, still 3 years away. And the first one still probably a year and a half away.

Yeah. And they're saying, well, it's not going to be all the items are going to be cheap. It's going to be a basketball like the items that are absolutely necessary. And so you and I started thinking to ourselves,

“if I'm done, he listening to Bernie Sanders, are they going to limit the choices?”

Are they going to only have one brand of deodorant? If anybody doesn't remember Bernie Sanders a couple of years ago came out and said, "Free markets in capitalism is a waste because we have 40 brands of deodorant. That's a waste of capital." Right. It's a waste of human capital and human beings working on producing the same product.

What did he fail to mention? Competition. Yeah. Which brings down prices. So let's look at how grocery stores populate their shelves. Like if you're a big brand like Walmart who does have their neighborhood grocery stores, we have one in our neighborhood, which is just a grocery store.

It's not a super Walmart.

It doesn't, it's not the big Walmart. It's a grocery store. But in order to get that shelf space,

“those companies, many of them small companies,”

but even the big companies compete for that space on that shelf.

There was a thing that they started where they basically were asking companies to

take the air out of the box in cereal boxes. So we can get more, you're going to get the same amount of cereal, basically, in smaller containers, and we can fit more on a truck. Same thing with less water in your laundry liquid laundry detergent. So that we can have smaller bottles, get more of them on the shelf,

which gave those manufacturers, those suppliers a great incentive because it meant you're going to get more space. Basically, you're going to get not more space, but you can fill more units on in the space that you have on the shelf. They have to, if you've ever been on a plane going to, it's not, I don't think it goes into Bentonville.

I think it goes near Bentonville.

“I've been on the plane going into Arkansas.”

And it was filled with people that were clearly making presentations at Bentonville. I've had friends that have done this before, and it's a thing. And usually that smaller companies, proctor and gamble, they're going to put their whatever it is. So peanut butter, whatever they make is going to get shelf space,

but they still have a negotiation. They're still on negotiation too, as to how much you get what's going to be on sale, what offerings are you going to, what are our competitors doing. It's a big, big, big deal. Committee and Greg Warren used to do this for living.

You worked for proctor and gamble, and he actually brought that up and a lot of it in his, in his, in his material that he uses on stage. But it's a big deal to get shelf space at grocery stores. And you bring up the point about burning, because if we're talking about a government grocery store,

then what is going to be the negotiation as to which brands get how much space, and that really limited amount of space, that 9,000 square feet is roughly, I don't know, four or five average houses or something like that, big.

“And what purchasing power do you have with five stores?”

Well, and yeah, that's it, because they have to bring their trucks in and bring, and and stock that in companies like Walmart, you'll see that it's the delivery people that bring the products and actually also put it on the shelves.

It's not always the Walmart employees that are stocking those shelves to a large extent.

It is though it's those companies. There are people that have those routes actually go in and put that. You'll see the bread people usually on on a regular basis. But that's the case with with many of them. So you're there's this big negotiation that goes on back and forth.

And there are so many elements to that in order to be competitive. OTIF stands were on time and full. That means you're going to have to if you're bringing your shipment to Walmart to put it on our shelves, it's going to have to in other stores have this. It's going to have to be it's and you say Tuesday at 1 p.m.

It's not Tuesday night at 9 p.m. It's not Wednesday. It's also not Monday the day before. And it has to be info where the entire shipment is intact. And that rule of broken has ramifications and it will cost those manufacturers.

The point being is that there is that negotiation that says, Look, if you're going to have the offering here in our cell space, then we're going to have to negotiate when the government gets involved in that. Somebody tell me how that works and how that works efficiently. Because you're having to send a truck to a smaller location.

You're obviously going to just by just by default if it's a smaller grocery store. You're going to have less shelf space there. And you want to be competitive, they're not in the game of being government control. Those that supply these things, the people that make the soaps and the peanut butters. They're not in the game of government control while they have regulatory items they deal with.

They have to negotiate with the private sector. And now they're going to have to deal with who and who's going to determine what lands on those shelves.

That is how it works.

“That in how much the city council is willing to spend to subsidize.”

That's the other part of the store.

Because if the political goal is to keep it cheap, you're going to have to pour more and more public money into that. And that's not keeping it cheap. That's just having somebody else pay for it. We are right.

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