08-17-26 Part One - A Cap on Capitalism

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your day. Welcome to the show, from the Relief Factor Studios, this is Red Eye Radio. All the cross, America. We are Red Eye Radio. He is Eric Hurley, and I'm Gary McNamara.

Why, why we are doomed? We haven't said that enough. Just one more reason is to why we are doomed. Why we are doomed? CBS News poll.

Would you approve? Oh, by the way. Good morning and all that on the crap. Yeah, blah, blah, blah. I'm not having a week.

“I think what the station that carries out the idea of the idea of the idea of the idea.”

We're here for you. Blah, blah, blah, blah, blah.

Always thinking of you, the listener.

Right. Good weekend. Everything else. It's hot in Texas. Yeah.

More heat this week. Right. Wow, blah, blah, blah, blah, blah. Everybody forgetting it's August, apparently. Blah, blah, blah, blah, blah.

All right. CBS News poll. Would you approve or disapprove of government price controls? Approve Democrats 75%. And, depending on 60% to 60% Republicans, 54% of Republicans answered that question.

Would you approve or disapprove of government price controls? This is the problem with the Republican Party that we have talked about for the longest time. You know, this is the, you know, in 2006. And again, and I have voted in every Republican primary.

“As I said the last time I think I remember voting for a Democrat was a highway department supervisor.”

But I think the Republican was charged with the crime. This goes way, way, way back years ago. He was charged with some kind of crime. It was, but that was it. And that was 30, 40 years ago.

Yeah. But as we have said all along, if I was a Republican and somebody said, you're a rhino, I'd go absolutely I am. I'm way more conservative as to where the populist liberal portion of the Republican party is going. Oh, yeah.

I'd wear that with the, with the badge of a pride. And if you're somebody who's saying I'm not a rhino, I'm a Republican because I promote liberal ideology with then that should be a badge of shame for you. Right. 54% of Republicans believe in price controls. And it was, it was fascinating because I was looking to some of the debate going back and forth on on social media.

And somebody, I think it was Frank a bunch of people opposed it.

But the first one I saw was Frank lunch.

I was on the plane coming back. And by the way, you know, flying back from, you know, New York on a Sunday morning is a great time to do show prep. There's nothing to bother me at all. Yeah. But when I saw Frank lunch, you know, was was talking about and somebody said they're in and said.

“Because I think Frank lunch said this shows a majority of for price caps.”

And somebody wrote, see, you're just an idiot. It's price controls, not price caps. Oh, well, that's completely different. And this guy just got blasted by. What are you talking about?

Wow, you know, but you, but you look at it and we set it all on. You know, what's one of the, what's one of the, the price caps that both people that are viewed like Josh Holley as a conservative. What's the price cap he's talked about? On credit cards. Cap in the interest rate and credit cards 10%.

Yep. And, you know, and it just shows you how economically illiterate. If you say you're for government price controls and your Republican, you have no clue as to how economics works. Zero, none. You have no history.

Now, look, the Democrats and independence Democrats are crazy. Republicans aren't supposed to be crazy. They're not supposed to be completely and totally ignorant as to how economics works. Well, inevitably, it was going to get to this point. And, inevitably, as they move the Republicans further and further left, we were going to get to this point.

They see these kind of numbers. And, and that's what you're seeing. Well, when you have, when you have a president Trump promoting proudly the government taking equity and corporation.

Instead of saying, just let him fail.

Right. Let him fail. Right. Let him fail. Right.

Let him fail. When you have both JD Vance and the president promoting the fact that the government should have equity and ownership in large corporations like AI as we said. There's going to be a price to pay down the road for that because now you've made it easier for Democrats to promote and say, They're calling us communist socialist. My god, you're two biggest leaders in the Republican Party are talking socialism and communism is a good thing.

Yes. And there's no revolt in the Republican Party at all.

Everybody's completely and totally silent.

Yep. Yep. I mean, you would think there would be a big back and forth on social media about this and it really didn't play out that way. And it doesn't play out. It didn't play out that way because more and more you see the Republican Party and you ask yourself like on on Capitol Hill.

“Why are our representatives? Why are the GOP members of the Senate going further and further left?”

Just to be that, you know, we had a few to just a couple two, three, maybe four to worry about in the Senate, you know, Susan Collins, Murkowski, the same old that is same old, but now you get now very clearly where the party is going further and further left. And I don't see a big pushback on this. You know, I mean, you'll see a nudge here and there. You know, we need to, we need to primary Susan Collins or Murkowski. And it's like, with what? Yeah. Well, who would he go?

Who would he go? Because we have said this, it's the same thing as with term limits. Well, who do you think the rank and file are going to vote for? They want the people. The Murkowski and Collins keep winning because the people support it.

Yeah. If in Missouri, those people feel like Josh Holley, that's the reason Josh Holley won. Yeah. He's not one of those crazy Democrats. There he is.

“He knows he's not a Democrat, but we're going back to what's her name?”

I can't think of her name at the moment. I can see her face. I can't think of her name at the moment. Oh, she's not one of those crazy Democrats. Yeah. Yeah.

And so it's funny because I had to repeat the commercial that my head had to actually go through the commercial. The script that my head. Because we referred to the commercial, Claire McCaskell was running. And she had, she wanted to separate herself from the rest of the Democrats. And she had these two guys talking, you know, oh, hi, Bob.

Hi, Bill. Who are you going to vote for? I'm voting for Claire McCaskell. She's not one of those crazy Democrats. And we said, look, this is how it works.

“Those words were coming back in their internal callouts.”

We don't like the crazy Democrats. We don't like the crazy Democrats. Well, apparently they do. Well, Josh Holley won, but everything is relevant. Well, he, I mean, a lot of stuff.

The culture wars. He's not. Yeah.

And by the way, by the way, at that point, that was basically let's be intellectually honest.

That was on the culture wars. Oh, yeah. There was more on the culture wars because nothing, there is nothing. When you look at the fiscal situation in the United States right now, there is nothing where you could sit there. And you can say that the Democrats are, well, I guess you can now say the Democrats are crazy on it.

The Republicans when it comes to spending are approaching crazy. Well, this is the thing. If you're approaching, if you're at the point where you're pushing for government control, a profits for corporations. Oh, yeah.

I was talking more about that down. But that's whatever. That's a me. You're, you're in crazy Democrats. Yeah.

Yeah. And so, you know, this is, this is exactly what happens when, I won't say when the public allows I was about to say that, but, but no, no, this is where the public is. And more, and if you get more and more support for socialism. I expect 28 to, I expect to hear the words single payer system again.

Well, we'll hear somebody talk about it.

I don't know.

But we will definitely hear that discussion in 28.

You know, when you're as old as I am. Remember, 70 really, really, really, really, really, really, really old. And you remember the 70s. You don't buy green bananas. And, and the price controls the price caps on gasoline.

What happened? What happened? Well, let's get the prices. I had no. Well, the prices were capped.

Hmm. But what happened? You had lines a mile long. Yeah. Yeah.

You had odd, even days where you could go.

There was a gasoline shortage. And when you put price controls on, you get less of the product. Every single time in recorded economic history, you get less available to you. And you don't get the, there is no requirement for them to drop the price down.

“Only competition dictates that you should do that.”

Right. I started that. Yeah. Why started that when, why started the, the whole price controls price caps on gasoline on fuel? Well, the price is hovered right near that cap, where in other parts of the nation.

And I do understand. Yeah. It is different in Hawaii because everything's more expensive. Given that they have to ship everything to the islands. They kept those prices close to the cap.

Yeah. For as long as that cap was in place. And and as long as you do that, as long as you create these rules. Okay. Let's go back to credit card companies.

Capital 10%. What does that mean? Credit lines for a lot of people go away completely. And then for the people who have been responsible with their credit lines. Payed everything on time.

They've used their credit cards or whatever it is, their miles. Or it's maybe more secure because the credit card companies, you know, will, will protect you and have protection when it comes to fraud. That kind of thing. Anytime you see a situation like that, there's going to be a drawdown of credit lines. So people don't have, in the case of an emergency.

You have a flat tire, you have something going on. And you need to spend $500 to $1,000. Now you can say, well, then they should have $1,000 in savings. Yeah. True.

But that's not the way it works. And so when credit lines are drawn down, what happened when we saw the, the Democrats basically approach such an idea. You saw the payroll loan companies pop up all over the US. And they're, they're charging. I don't know what the interest rate is on those.

A poll of groundwork collaborative and project borrowers shows nearly two-thirds of US voters. 64% support capping credit card interest rates at 10% even if reduces card rewards or tightens approval. However, other surveys like wall that hub poll show lower general backing when factoring in strict credit card.

You know, restrictions when you actually say, okay, here's what's when you simply say, well, we're going to lower to 10%.

We love it. Now, we know what happened during the credit card bill of rights.

“Remember when they were capping late fees and stuff like that?”

Yeah, milk. Yeah. Millions of people lost their credit card. Hey, they loans came about and paid in exactly, well, they were there already, but I mean, they increased and then it was like, well, hey, they loans are out there charging. You know, you shouldn't be charging, but ever to be 30% for a late fee here or whatever the fee would be.

Okay, let's go for 400% APR for a payday loan. Right. But why? Because the president has said it too. Remember he agreed with Josh Holley.

Oh, yeah. Why didn't they do it? It would have affected retail consumerism in the market. That's the one strong point over the last year and a half has been people are still spending money by using their credit cards. And credit card is going, you know, credit card debt retail debt like that has skyrocketed.

If you take that out, you seriously affect the economy as their fear.

“Well, and, and we can, if you want to, you know, narrow it down to just the recent years, the COVID years up until now.”

And Jamie Diamond talked about this because that's the CEO of of Chase Bank, JP Morgan Chase. They're able to monitor how much people have in savings.

They were giving government money because of COVID. And their savings started to build as that savings was drawing down.

“And I think it was between December or 22 and just and summer of 23 if I recall correctly.”

But he said in the next six months that savings basically is going to be depleted by the average person.

What happens after savings are depleted is if you're counting on the savings to supplement your income. It's not, it's not necessarily frivolous spending, you're not going out and just, you know, buying things that you don't need. You're filling in the budget gap. And when you run out of that money in savings, you're going to start turning to credit cards. And credit card use has gone up dramatically. You know, again, if you keep it relative to what we have seen.

Look, the credit card use in the 80s is really what boomed the mall industry. For those under the age of 60, a mall was a building that had multiple stores in it.

And they each of the department stores decided to then pair with financial arms and they used to extend credit.

But it was a card that you had to use in their store. You couldn't use their credit card across the whole and the other stores. And it was actually a great marketing tool. But people spent like crazy at expanded the economy. You can say whether or not it's good, a good idea personally to spend and create that kind of debt.

But if you're talking about the economy, you want to draw it down in terms of retail spending. This is one sure way to do it.

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Wonderful for your calls. 866-90Red Eye on Red Eye Radio. We're in our radio. He is here crawling. I'm Gary McNamara. So when just asked the question, do you believe government should cap credit card rates at 10%. It was like 64% of the public thinks it's a great idea.

And as we said, overall with the government having price controls in general, it's the same thing. It's the same thing. It's way way. It's way up there, including 54% of Republicans are for it.

Now, Wallet Hub did a poll and they basically talked about the consequences because the one poll on the credit card said,

well, you might lose the perks, you know, like the perks like points and stuff like that. And, you know, the vast majority, 64% said, well, we'd rather have the 10% than the perks. Right. Right. Yeah. Then Wallet Hub did the actual reality survey. Uh, 37% don't support a 10% cap on credit card interest rates. If only people with excellent credit card credit get approved. Yeah. Nearly two and five Americans don't support a 10% credit card cap.

Okay. So that means still the majority do. Hmm. Interesting.

“Uh, yeah. Okay. Okay. Let's take a look at this. This doesn't make sense. I was thinking something else here. Who reviewed this coming up?”

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Follow and listen on your favorite platform. You're listening to Red Eye Radio from the Red Leaf Factor studio. And I'm Gary McNamara along with Eric Carly. Okay. We got it straight down on the whole. Uh, the polling on credit card interest rates coming up in just a minute. But it comes to supplements. There's a lot to consider. You know, I was in the store the other day.

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Just 1776 going to relief factor dot com or call 800 the number four relief relief factor dot com or 800 four relief. And maybe we'll share your story right here soon. Okay, just a couple of stories contradict each other, but I found the majority of stories say that the wallet hub survey shows Americans are skeptical about Making credit card rates 10% when told of the reality of what would happen. Only about two and five Americans support a 10% cap on credit card interest rates. If only those with excellent credit are approved for the special rate and you lose your credit card.

Exactly exactly what it's just the reality of it. You lose your access to credit. But when the question is asked without the consequences the full consequences. Because it was well, would you if they took away your perks, would you go for the 10% and that's actually is not the question. Right, the question is would you have access to credit right now for me, I, you know, the one of the best things ever is that really my first what I call. I mean, you know, cleaning the toilet was a real job. But when I went to work for the bank, it was a bill collector all during college changed everything. I mean, it changed everything.

And I've just never been somebody. I probably was not as conservative as my parents were coming out of the depression, but then they had no credit cards at that point.

I said, the only actually a guy named McNamara that started the whole thing. He started. He started the, what was that the diners club. You're right. Yes, he was night. He forgot his wallet. And then he made a deal with the restaurant owner and then I guess paid him interest. I don't know what happened, but he came up with the diners club card and the rest is history.

“Yeah. Yeah. And, and, and so when the only credit card data ever got into, I could, I remember.”

I had something major on my cargo and I didn't have the, you know, this is when I was pretty poor. Yeah. And I took got 1500. And I paid it. I don't know how many months I can't remember how many months, but I remember seeing the interest right on it. Yeah. I already didn't want to do it knowing that I couldn't pay it off in, in two months. And now with me with my, you know, with the credit cards I have the, the ones I really use are, you know, the Amazon card.

And they'd get you what 5% back. Right. And I'm always, it's like, you know, I put something in it put something in yesterday. It's like zero.

I got the credit to 5% back, you know, for that particular product, but I pay that credit card off every month and for the airlines, I have one of the airline cards. I use that for almost everything else. Yeah. I'm free flights. I have gotten. Yeah. And how many points I have, right. I think right now I have about 700,000 points. Wow. Wow. And, and I made a first class because I don't, you just don't pick any flight because sometimes they're just completely totally unreasonable.

Yeah. And, and so, but I, I'm getting ready to pay it off here, you know, in a week, whatever I owe, you know, from the last couple of months.

“And then any big expenditure I want, I will put on the day after I get my statement or the statement is produced because I have two full months to pay it back.”

That's how I use my credit card. So I don't care what the interest rate is. I could care less. Right. But that lesson when I had, and I don't know how long it took me to pay it off three or four months. But every time I had to pay the interest on that, it just drove me crazy.

Just, you know what, really, for me, kept me at bay with that, and I've never had ever one late payment.

But it's that fear that because you would always get that you would always see it in pop culture like on TV shows or whatever, you know, they come, if you default on your, you know, your payments or whatever. They start coming in and repossessing your furniture, they grab your TV, whatever you bought with a credit, you know, and I don't think they do any of that anymore with the exception of vehicles and then of course houses. But they, it was, you know, that idea, because I thought that was just embedded in my mind. And I was seeing it as a kid and I was thinking, and when I got my first card and I still have that card and never use it.

And they charge me $20 a year because I never use it. And I pay it gladly. In fact, it's coming up in September, it comes up next month. And I've had it for the 35, 35, 36 years. And I just remember, okay, here's what I'll do try and, you know, start building credit. And then I'll buy, let's say, 50 bucks and groceries, but I'm not going to buy anything else until I pay that 50 bucks, right, buy some gas, but I'm not going to buy anything else until I pay that because I was, I was always afraid in the back of my mind.

Even though the reality was eventually, you know, I learned the reality is, no, they're not going to come possession repossessed everything. But I didn't bankruptcy also sounded the worst to me.

I knew nothing about it to begin with, but, and I know a lot of people have to go through it, but it's in my mind, it was the court saying, okay, you owe us everything. And we're going to liquidate everything you have, you know, bring all of your belongings or we'll come to your house and option everything off and, you know, that kind of thing. And I thought to myself, this is not an option. I, if I don't have the money to pay for it, I can't borrow too far into the future. And that was always a big deal.

“Well, it's the, it's the culture that both you and I were brought up in, let's tell them I'd rather over the weekend, you know, because he was like, you know, where, where is Eric born? I said, well, I mean, Nebraska, right?”

Yeah, Omaha, off of there for, yeah, you're brought in Nebraska, so yeah, the majority of where he has lived, you know, when it was young was the southern border and I grew up on the northern border.

And I said, we always chuckle with each other, you know, about how what similar mindset, you know, you grew up on one border, I grew up on the other border.

And we have a certain, we think the same, yeah, we have a lot of the same opinions on the issues, but we process thoughts the same way. But also in, in life, our life choices in terms of, you know, finances and things like that. Well, that's, that's part of the culture. Yeah. We grew up and that, I said, we grew up in the same kind of financial culture that our parents did and, and we just, we just, you don't take on debt, there is a thing called in the culture that we were brought up in.

Yeah. You're not being able to pay your debt, shame, you would do anything to pay, you'd work two jobs, three jobs, it didn't matter. Yeah.

“There was an incredible amount of shame for not taking care of the things that you need to take care of.”

There was no gray area there. It was absolute, you just, you, you did it, and so there was a panic. There's always been a, you know, a panic for me.

I only had one car loan in my life for $4,000, and I paid that off here within a few months.

“And, and when I buy cars, I don't think I can get away with about buy a car from my dealership this time.”

But I bought two cars, but the last two cars from the same dealership, and both I paid cash for, I just, I save up.

But I made the deal, and I never said it, but they just assumed I was going to do payments.

So the final amount was with the payments we're going to be, and they said, so I mean, how long do you want to stretch us out over and I said, well, one day, what do you mean, one day, I go, I'm paying cash. The last time, they were, they were a little bit perturbed with me. Yeah, I'm like, why you, you know, they were, they were angry with me, because I, and I didn't tell them, I did not lie to them, I would never do that. I've just not, and any kind of transaction, I'm going to lie to anybody. It's just I know, because the vast majority of people finance a car, they just assumed I was financing the car, I never told them.

Well, the last truck that I bought, I just recently got another truck, but the last truck before that that I bought. I actually went through the financing and everything else, and have a family member who owns, who's, who works for the corporation who owns a ton of dealerships. So I got the family deal, right? I got the, the employee discount. You got the, putty inside deal. Yeah.

I've, wow, I've, he got the inside deal. I got the under, I got the under coding, but, you know, it's, but they, they said it's a, it's a sale price, but it's not the cash price, the cash price actually would have been higher. They said the sale price, because they make money from their own, and they have their own financial arm. They, they can shop around different financial arms as people know when you go into finance a vehicle, but, but they, I actually qualified for the companies financial arm to get alone.

And then two weeks before the first payment was due, I paid it off.

And so it didn't, I got the deal, the sales, sales deal, because here's the deal, right? You go in, and I don't know how many dealerships do this. I don't know if they do it on every vehicle, it was a brand new vehicle. And they said, you know, because I know the guy in finance, and he told me, here's how it works.

“You know, we know that if you pay this out over whatever 60 months, you know, I think they, they go with the 1984, 90, the 70 something, 84 months now.”

And, and so, if you do that, we're going to make this discount money that we, on the, on the price here that we apply, we're going to make that back, of course, if you pay it out as most people do. I told him, right then, well, that's not going to happen because I'll be paying this before the first payment is due. As soon as it posts on the account, I'm paying it off. And I did, and he knew that and he said, there's no problem there. No, there's no penalty for the early pay off. So I got the discount.

So that's one way to do it if you've got cash and they're offering a discount for financing, go to the financing, and then pay it off for that first payment. We are right, I radio. We'll be right back with more right, I radio with every currently and Gary McNamara. [ Music ] We are right, I radio and he's our currently and I'm Gary McNamara.

By the way, when they talk about college loans to Eric, and it's like, these are young kids when I was 18,

as I've always said, I took out, and this goes back a long time ago, I did not want to go into debt when I went into college.

“That's why I worked probably 55 hours a week, I worked two separate jobs and went to college full time.”

Yeah, I didn't want to get into debt, but I got offered a thousand dollars, you know, a thousand dollar student loan the first year. And I go, I don't want to take it, my dad goes, no, take it. You don't have to pay interest on it until like nine months after you're out of college, if you pay the whole 100,000 or the 100,000. That's what they had that day, $1,000 off, you don't have to pay any interest. So I sat there, banged that, put it in interest bearing accounts for four years, collected the interest,

and then paid it off at the end. That was my philosophy of debt even at 18. I did not want it, and so, you know, it's a different culture today. Well, one of my granddaughters, actually, the three oldest granddaughters are all working and going to college at the same time, right? And so, two of them are working, it's roughly 30 hours a week, but it's enough, right, especially in going through college.

And she loves bartending. And then she goes, she said to me, that's funny, because we were kind of on an outing me and her. And she says to me, yeah, she goes, I'm making so much money bartending. I'm thinking about quitting college, and she just stopped waiting for me to look over and go, huh? What's you're going to what? And then she started giggling.

“But, you know, if you don't, and I think it's important to build those ethics work ethic,”

get ethic if you want to call it along the way, so that when you're going through life, you can make smarter choices and have more freedom in your life. Not to be our news is brought to you by HowProduct Visit HowProducts.com. This is Ridae Radio on Westwood One. The U.S. Soccer podcast. I'm your host, Megan Klingerberg, and after interviewing so many dudes during this men's world cup,

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Follow and listen on your favorite platform. Now, it's Ridae Radio, Gary McNamara, and Eric Hurley, talk about everything from FatherTicks 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.

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“He is Eric Hurley, and I'm Gary McNamara.”

Hi. Welcome in good morning. Thanks so much for being here. Hope everybody had a great weekend. Good job. Good week. Can you travel? I traveled to see Dad. It was really good. He had some good cognitive moments.

Interesting. And also went back for the party of my great nephew. He was headed off to college. That is so bizarre to think about. I know. How it just happened in the blink of an eye. And it's interesting because a lot of the other relatives were like,

"Well, we're not going to see him." And I'm like, "That's it." It's funny because every... And people were telling me they said, "We know every time you're in town, like when the first day that you're in town, which would be, or the second day Saturday morning,

you pick him up to go to breakfast.

You always pick him up. You've done that for years.

And I went, "Yep." And I realized, "Wow." And he couldn't do it because he had the party Saturday and everything else. And it was like, and it was like, "Wow." That was the last time was the last time.

It might be the last time that I do that because you when you go off to college. Everything changes completely. Right. And so not that I won't see him.

But I was... And other people asked me, "Are you sad?" And I went, "No, it's an actual order of things." It's just, I don't... I don't sit there and look.

I had those good times plus.

One thing I love is I come from a family that never looks back.

Right. That's... You know, we talk about culture that you grew up. And we talked about, for example, financial culture and stuff like that. As we did in a previous hour and debt and all that.

That's the other thing, too. I, you know, now my family takes pictures because everybody has a phone. Right. I really was never a picture-taker.

Right. I never like had my "Codac Instamatic." Yeah. You know? As a dad, I didn't have a video camera, and the reason was,

I didn't want to be carrying the video camera because I would have 24/7 and not enjoying the actual moment. And I'm glad I did that. I actually have no regrets. No, when you do something and you're like, "You go to her."

It's like people going to a concert and I've learned. It's like, "No." No.

“You know, if you want to take 30 seconds of one song,”

yes, otherwise put down the stupid camera, enjoy the concert. Well, I heard a stand-up comedian go, "Man, I just went to a concert for the first time in a long time. It was so great to see the band that I went to see

on the phone of the guy in front of me." And so, not that we didn't take pictures.

My father did, but I was never a picture-taker.

I am now that I have a, you know, a cell phone,

I post more of the memories of the photos.

“Like on Facebook, for example, if I take a great sunset,”

you know, from four years ago, or mom and dad, from, you know, ten years ago or something like that, I'll post when it comes up.

But we've never just, I've never been.

It's the culture of how I grew up. We've never lived in the past ever. It's everything. You know, and if we, I've never been one to sit there in a, okay, let's look at, "Oh, I wish I could go back.

I always find it interesting when I go to the, my high school alumni site." Mm-hmm. And when I've gone to a few reunions, and I probably would have never gone to any of my reunions.

If a couple of friends had said, "You're in town anyway. You're always in town." Yeah. And these are people that, you know, just were great people. You got to show up.

And the first, so the first one I went to was my 40th. Right. And I'm telling you, there was this one cheerleader. Uh-huh. She sent next to me in class.

Uh-huh. And then there was a picture of her in the yearbook. Uh-huh. And man, I got to be honest with you. Yeah.

For 40 years, I lusted her. Yeah. Yeah. And then it came to the reunion. Uh-huh.

And there she was. And I walked up to her. She was at-- Yeah. I didn't go to the big fancy dinner.

I just go to the Friday night at a bar. Now, this is the 50-year-old. 40-year-old. 40-year-old. All right.

“And I went up to her and she looks like she was, "Oh!"”

She knew me. You're very macked, Mary. Yeah. She goes, "How you doing?" I hear your life somebody was talking about it.

You know, that you're doing great. Uh-huh. Radio, podcasting, all that other stuff. And I went, "Yeah. How you doing?"

My life sucks. I hate my life. Like where I live. I got divorced. My kids and--

Mm-hmm. Like, for five minutes didn't stop. I went, "Well, nice talking to you. I turned around going." Oh, that was a wasted 40-years-of-lost.

[laughter] My life. Well, I don't know. Maybe he had she been with you all this time. Oh, yeah.

It would have been a much better story. Well, if you wish to live in that delusion, you may. [laughter] I'm not going to. But I just--the people that say, "Yeah."

“Life is just so tough because high school, I had no worries.”

And it was the best time of my life. And my--my first reaction is really? You peaked at 17. You mean that was at 17? Wow.

Uh-huh. If you do think that way, I understand your depression.

Well, it's--I just never--

I always wanted to move on to the next thing. I--I don't see the purpose. Now, when buddies and I, you know, my buddies in Del Rio, I've known them since grade school. And when we get together every year,

we'll talk about--every once and a while. Hey, do you remember, you know, so-and-so? I never do, but I always nod my head, yes. [laughter] They'll talk about certain things you're reminisce for a minute.

I don't think I've ever heard, "Man, I'd love to go back to those-- I--no, no. I--I don't--when my wife and I started, we had this tiny home under 1100 square feet, which now these days would not qualify as a tiny home.

It would be too big. [laughter] But it was a tiny home. And we had our kids. And it was lovely--we had this little gas furnace

that we loved to call our fireplace. [laughter] And we would talk about our dreams and the whole thing. And we would just, you know, it was--and the ignorance really it is,

the ignorance is bliss, right? You don't know how hard it's going to be to go out and improve your life or or succeed or do whatever it is, whatever your goals are.

And so at that young age, you always have that,

you know, lots of hope and everything else, which isn't a bad thing. And, you know, we will reminisce about when the kids were little. We never say, "Oh, if we could only go back to the--

I'm not going back to an 1100 square foot home." [laughter] I mean, I'm going to get an 1100 square foot or the one day. But I won't be going back to--now, we talked about downsizing.

You know, I have a--you know, a home right now that if it comes down to just me and my wife and my special needs daughter, who lives with us. And my grandkids aren't around as much. They visit all the time.

But if they're not around as much, I may downsize my home. But I never live in this mindset of going back because to me, it's the opposite of progress

I still believe there's a lot of room for progress.

I'm excited about whatever that next step is going to be. What about for me being 10 years older? Yeah. Is it over? I would make some calls.

I wouldn't-- again, I wouldn't buy any green bananas. That's probably about idea. You know, there are things that don't take when they say stop and smell the roses. Don't stop and smell the roses.

That's not-- I liked it. I like the green banana one the best. I'm going to tuck that away in my brain for future use. You know, but I do the same thing.

Get together with my buddies, whatever. And you know what we talk about? The stupid things we do. It's like when your friends--

“I think it was my buddy Jeff who came up with the picture of me.”

I don't know how old I was. I don't know if I was 18, 19, 20, something like that. Obviously in the photo. I mean, I got hair out. Obviously it looks like I'm an e-burated.

Yeah. I don't remember the picture. I got the black nail on that. I don't know about 10 years ago. He said it to me because look what I found.

This is black nail material. There you go. You're right. It is. And then there's one of me, you know,

with my-- with a football table and it was-- It almost fits the description when I talked about when I worked at the disco for two weeks. Right. And I was wondering, like the flannel shirt in the court.

And it's me basically a flannel shirt,

a court of Roy bands. I am as skinny as you can possibly be. My hair is all out at the football table. And it just is a stupid looking picture of me. Yeah.

And so, you know, but we look back at the dumb things that we did that we can laugh at. But really aren't from much public consumption at all. And then you move on. But I don't-- I don't think any of my friends were ever said I wish I could go back.

And I've met so many people that say I wish I could go back. I wish I could go back. I don't regret anything. I wouldn't have done anything differently in my life. Mm-hmm.

But there were really, really tough times. And I think the biggest thing is the understanding when you get to this age, you have wisdom, which comes from experience, which comes from all the dumb mistakes you made,

but you're still alive.

No, for me, that's where the--

“That's-- I think that's where growth is.”

That's right. If you don't-- as long as you're learning from them, and you look to fight to overcome those any mistakes you made that are on you, you know, that's--

You know, I look back at some of the pictures, you know, of me and my teen years. And my hair is down to my shoulder blades. You know, and I'm looking at it, and people are going, you know,

and I'll show everyone's the one to go, you know, like my son will say. Hey, show my buddy your picture with the long hair. You know, oh, cool. And I'm thinking to myself, you know,

and all of these, I look like I just smoked a bunch of weed. Now there's a reason for that, though. There's a legitimate reason. And it's because I had just smoked a bunch of weed.

And I'm taking myself-- It doesn't look cool to me. It looks like this guy needs to get his life together. Well, and that's a difference between me and my father. You look at all my father's pictures.

Yeah. He was the same person as whole life. Yeah. When he was 19, he was actually-- And then he went right into the army.

Yeah. Just he was inducted summer-45, and then World War II ended. By the time he got to Japan. Right.

“And he immediately became an instructor of, you know,”

of how to rebuild jeeps. And I mean, in 19. Yeah. From what he was doing to in there, and, you know, and everybody was a higher rank.

And you look at even some pictures here. No, that's my dad. Then you look at him in the 50s. And that's my dad. And you look at him in the 60s.

Yeah, that's my dad. 70s, 80s. All the way up today. And it's like, it's like he-- was an adult at birth.

Yeah. You know, my dad-- Where I had growing blood. But I think it's because-- And my oldest brother and I had this discussion

in the days after my other brother passed away. And we were talking about the effect on mom and dad. And my oldest brother said, you know, my dad. He said, you know, dad is hard. He's one of those guys who's lived through so many things.

And went into the military to very young age. Went to war at 18. But before that, it's a very long story of not an easy life.

And so many things he had to deal with as a child.

“And then, you know, going through life as--”

when it just soon as he turned 18. And then went to war again when-- Right after I was born about actually his four. And, you know, those kind of things.

And then always being the sole breadwinner of a family that had five children.

A family of seven. And so those things in your dad-- Same thing. Same thing. Same thing.

And so, you know, these are tough. These are individuals who are made of something else. Because of their experience. You know, their life experience has brought them to that point. And like your dad, my dad's always been that consistent person throughout his life.

I mean, he'll tell you that I learned these things. You know, and I was stupid when I was young or whatever. He'll tell you, you might tell you, try and tell you things like that. But he's been very consistent, you know, along the way. For me, there were some changes in life.

“I think the basis of it, what of, you know, the foundation of who I was was built.”

Thanks to my parents. But I didn't kick in for a while. I'm a late bloomer. You might say. I still haven't bloomed yet.

We haven't bloomed, but I'm doomed. Yeah. We aren't right, I radio. This morning's USDA Farm Report is brought to you by house products tested, trusted, guaranteed since 1920.

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Mindy Red Eye. [Music] We're on our radio. He is there crawling and I'm carrying McNamara. Good morning.

Coming up on the bottom of the hour. Flock cameras. I was in New York over the weekend. Yeah, somebody asked me. He said, hey, if you talk flock cameras yet,

I went, oh no. Oh, two controversial. I was like, no. Nothing's too controversial. Yeah.

And I was thinking that, you know, and you and I've always said this,

because you know, newspapers, whoever ever, you know, written about me in the past, the controversial talk show host. And I've always said, I don't think any opinion I hold is controversial.

“Because controversial will be to me, would be fringe in some way, right?”

Right. Yeah. Yeah. And so I've always laughed at that. Well, you know, you're one of those controversial stuff.

No, I'm not. Why I've heard you. And you believe that that women should play against women. So you're controversial. Yeah.

Yeah. I've heard you. And you believe that that women should play against women. So you're controversial. Yeah.

That's not controversial. Right. Right. Even even Caitlyn Jenner agrees with me. Oh, we'll get to that later on, too.

Well, you saw that, right? Yeah. I was hoping because Caitlyn said there's only one way. There's only one way to solve this problem. And by the way, yes, I will call a person by the name that they give themselves,

but Bruce Jenner is a man. Yeah. But I was hoping that he would say the only way to resolve this is to have men playing the women's league.

And no, he had to take the non controversial opinion,

which is no xx should play xx and xy should play xy. That's how you determine it.

“So, well, how dare you make common sense out of all this?”

That controversial opinion. Yeah. I don't hold any controversial opinions. No. You're a conservative.

Well, tell me a controversial opinion that I hold. Yeah. And it's just, it's like, no, it's just, it's common sense. The insanity, you know, well, you, you believe that we should protect the border and have an army.

Those aren't controversial opinions. No. You don't believe a child should be able to have irreversible surgery. Right. You're not for, you're controversial.

Did you say you're not for children being able to cut off their body parts? Yeah. See, you're radical. There you have it. I am the argument by the left.

Block camera, it's coming up. The U.S. soccer podcast. I'm your host, Megan Klingaburk. And after interviewing so many dudes during this men's world cup, I'm so happy to be back with my U.S.

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Let's do it. The U.S. soccer podcast presented by Henkel. Follow and listen on your favorite platform. Catch Red I Radio Live every night on the Red I Radio App, available in the App Store.

Red I Radio. And he's there. Colonel, I'm Gary McNamara. Block cameras. What are they?

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Enter the code red eye for your discount. Not FDA approved results. All right, block cameras. These cameras that exist all over the country that when you

drive by, they basically, I mean, there's the company.

What do they call flock safety, I think? Is that the name of the company? Yeah. Yeah. And by the way, there are intersections and everything else.

Now, the local governments have to approve them. Right. You just can't put them there. Right. But they collect every car that goes by.

And they save it for a certain amount of time. And it can be used by law enforcement for any type of investigation. And it's caused an outcry last couple of weeks. A huge outcry on it.

Sort of like the whole red light camera thing. Do you remember when they were talking about Eric? They were talking about having sensors that would that would when you went on to a freeway. Would know or maybe they were even flock cameras.

It would get your car. Yeah. They weren't flock cameras. But another kind of system that would catch your car. You know, when you enter the highway.

And then or would, would monitor you as you're going down the highway. And if you got to the next checkpoint that took a picture of your vehicle. And you got there in a particular amount of time that meant you were speeding. The goal was to give you a speeding ticket.

Yeah.

That never went anywhere.

Just like a lot of direct light cameras exist anywhere. I remember they were all over here in Texas.

I sure hope they've disappeared. No, I mean, what I mean is. Yeah. I know in Texas. I know in Texas there and the remnants.

It looks like there. I mean, there's an old camera up there. They didn't like they don't.

The private sector company that ran them basically.

I guess I didn't didn't take them down. I don't know if cities required that or not. But in Texas, I don't know that there are any left. I think they're gone. I think they're all gone.

You know, the, and, and so you. When, when you look at, for example, as we now know, traffic reports now are done by cameras all over the place. Now, they're regular cameras. They probably can't read your license plate.

I don't know if you can zoom them in or do it. But they're not, they're built to, to let you know that, you know, where you are and also by cell phone.

“They also do, I think they still do the same thing.”

Yeah, we're talking about traffic reports on on on the radio and on TV.

That is done primarily by, by, by cell phone pings. And then what they'll do is they'll back that up. If they've got a camera, text dot cameras in our, in our, in our case, Texas DOT has cameras in major metro areas everywhere. Everywhere, and you can see it, and it comes in handy,

especially with weather when there's ice on the roads. You can see which roads are clear. But yeah, they use that. And then they can tell where the traffic is bunched up by cell phone pings. They don't know, it's your particular cell phone.

They just know it's a group of cell phones that have slowed down or stopped or whatever. Now, the flock safety systems say they, they, you know, can read your license plate scratches on your vehicle. Yeah. Yeah.

They don't take a picture of the person inside of the vehicle. You can't see the person inside of the vehicle, but you can definitely tell the license plate. And he scratches, dense on the vehicles. And the make and model of that particular vehicle. And then it's stored for certain amount of days and law enforcement can use that.

Now, they've tightened up flock safety systems have said they've tightened up the availability. Uh, of that. But as we know, crimes have been solved.

“I believe that the road's rate incident incident.”

Umblumum. Stop the drink, stop the vodka, Gary. Uh, uh, on a, I 20 that we talked about last week. I think flock cameras help solve that one. Yeah.

Uh, and I'm, I'm not sure, but I think I read where it did. But other crimes they have. I saw it were in Dallas. It's been used 64,000 times. In investigations.

Let me just see 63,000 times since 2025 in the name of tracking down investigative. Uh, uh, uh, leads. I was reading an article from, uh, WFA here locally. We're in Hood County. The Hood County Constable.

Uh, has said, nope. It's an invasion of privacy. Privacy is an optional and mastervalences and how we do things. So they've shut them down and covered them. Uh, uh, in, in, in, in Hood County, uh, Texas.

I decided to look at the legalities behind it.

Uh, and one of the things I always looked at was the Supreme Court decision on DUI.

Back in 1990. Uh, and it was, is that an invasion of privacy? And it was found to be no. Yeah. If you stop a car, even open a window, you know, to talk to the driver.

Look at the, you know, you can monitor, you know, the, you can, uh, uh, look, because there's not just a DUI. I haven't seen one in a while when I first moved here in Texas. It seemed like everywhere I went at beginning of the month. It would be, you know, looking for your, you know, your registration and inspection on your vehicles. They can do that.

There is no privacy when it comes to being outside of your vehicle. Right. By, by federal law and even, if you are doing it and even Scalia voted for this for, for when it comes to DUI checkpoints. That as long as you're talking about you're doing it, specifically for DUI. The federal courts have said that's okay.

If you're doing it, for example, to see if somebody's bringing drugs into a neighborhood, major restrictions on that. Right. Yeah. And I find an interesting saying, okay.

So if you're talking about a specific traffic crime, you know, you've got to be able to check everybody over.

“You don't check everybody that's on the road everywhere, but you have to, you know,”

I don't know if you said a time limit or whatever, but you simply say for the next hour we're going to stop every car that comes by. Then that's viewed as not targeting an individual.

That's how they, you know, they look at it.

When it comes to flock cameras existing, you may view that as an invasion of privacy. That may be the opinion that we all have as an invasion of my private wife. They're doing it whatever. It is not legally to take those pictures of each and every car. How you use it afterwards, how you store it, how you use it, whether a warrant is required for that.

That's where the really the privacy concerns come in at that point.

“But I think it's more of a, and I think, for example, whether it's hood County or whatever,”

it will be people's opinions just like it was red light cameras or whatever that will either keep them or make them go away. Red light cameras targeted everybody and everybody could get hit with the traffic ticket on that. The one thing you're going to have like this, the hood County constable who said, no, it's an invasion of privacy. You're not going to have that in our county. All right, I can see that opinion happening. I can see the other opinion where they go.

No, it actually has solved a ton of crimes and it's not illegal by federal law to do that.

“There will also be states, I believe, Texas, maybe one of them because just like DUI checkpoints are 12 states that don't have DUI checkpoints.”

They say that by the state constitution, it is, you know, illegal invasion of privacy. Because you're opening up your window to see what you're doing inside. Right. And Texas is one of those states where you cannot have DUI checkpoints. When I lived in Oregon, I don't know if it's still the case now, and I lived in Oregon, I believe they didn't have them either. And, and because I, and I would believe the concept is, for example, in the state of Texas, the police can sit there all day when your car goes by and want to see whether you have a registration.

Yeah, inspection no more. We have no more of the official inspection, but if you have the registration, you've got near air pollution. Yeah, we have emissions, yeah, inspection and the major cities.

“So I think this is a thing that's not going to be legal where it will be more.”

The opinion and culture of people as to what they view as privacy, which can be completely different from one state to another as we have seen. Well, and you think of the, there's the officer that was accused of in Massachusetts. She was accused of using the department's block camera to track her ex. That's just an abuse of power or resources, and we'll see what happens with that case.

There's, but privacy concerns are always there. There's, there's this thought that you have an inherent, there's an inherent right to privacy if you're in public.

So you think about any of these close circuit TV cameras that have been around forever, right? And it's usually in areas where people congregate like a neighborhood where there are bars, things like that. In fact, have one, well, we have a few of them here, but there's one area in specific that that actually had cameras and then they took the cameras out and then crime came back up. They put the cameras back in and business owners were actually the ones who said, and it wasn't the government. And there was a difference, but the business owners said, no, we want these cameras. And I assume, if I'm walking down the street, that businesses have security cameras that are running, that people have doorbell cameras.

And you think about, okay, and again, there was a difference between people wanting to protect their own property or a business wanting to protect their own property. And then the use of highways, but when you're using a highway, when you're on the highway, if you're being monitored, the question is, well, legally, if you were charged with something, what are your rights? This was one of the things that came up with red light cameras that I should be able to face my accuser. I should be able to challenge my accuser, right? So if it's a police officer that sees you running a human running a red light, then boom.

People were saying, well, no, because the technology can be flawed, it can be challenged. And it's also a great deal. It was more effort to challenge that.

Did they also call it a civil violation, not a traffic violation? Right. And that made it again more difficult to to challenge. And so in some states, they said no more. And so it's again, it's not just that there are cameras, it's what they're used for, and every local has the right to decide if they want them.

“I think it comes down to that. Yeah, I don't believe by what I've seen in the Supreme Court federal precedent that they are federally illegal.”

They may become state illegal, right, but on the federal level, yeah, I did some research over the weekend using the whole DUI decisions.

Right. Checkpoint decisions on that. Right. We are right, I radio.

Coming up more with Gary McNamara and Eric Carley, it's Red Eye Radio. We are Red Eye Radio, and he's our program. I'm Gary McNamara. And things getting, well, some pistol cuffs because of the whole flock camera thing, protesters gathered in Fargo, North Dakota on Saturday to make their voices heard regarding the use of flock cameras by law enforcement. Only for the initial peaceful protest to end up in fighting the protest was primarily organized by a group calling themselves midnight mafia who have been outspoken in their opposition to what they view as invasive levels of surveillance.

They spoke of their need for privacy and distress to the government. And that fact the government would use the information gained in flock cameras.

“Slowly to fight crime, they didn't believe that. I think there's no end in sight to possible federal overreach.”

Even if you have terrific guardrails, said one concerned citizens, I also don't like the idea being surveilled wherever I go to protest ended about 40 minutes after it started when a physical fight broke out between those who were trying to make the event overtly political and those who were trying to keep it non-partisan. Wow. [Music] This is Ridae Radio on Westwood One. Starts your day with the morning jolt of Drake tolls.

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