The Herd with Colin Cowherd - 3 and Out - Mailbag

Episode Date: June 13, 2023

John answers listener questions in the Middlekauff Mailbag. Follow John on Twitter, Instagram and YouTube for the latest. Check out Gametime - the fastest growing ticketing app in the US, and the official ticketing app of 3 & Out and GoLow -  for tickets to all of your favorite NFL, NBA, NHL, NCAA teams. Concert and comedy show tickets, too. Go to Gametime now to create an account, download the app and use code JOHN for $20 off your first purchase. #Herd #VolumeSee omnystudio.com/listener for privacy information.

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What is going on, everybody, John Middlecoff, three and out podcast. What's happening, people? Here's what we're going to do today. Mailbag only, mailbag heavy, and the mailbag is very easy to get in. You just go to my direct messages on my Instagram, at John Middlecoff. You fire in those DMs.

You get your question answered here on the show. That is the plan. So I had a podcast yesterday. Talked about Saquan, talked about Dalvin. We'll have a mailbag heavy podcast right now, and then we will have the big U.S. Open preview getting ready for golf, I don't know, the third major. I think this year it's going to be my favorite major.

L.A. Country Club, it's going to be awesome. We will talk gambling. We will talk storylines. We'll talk it all tomorrow. So a couple football podcasts, golf podcasts. And then I think we will have a football podcast probably at the end of the week. I'm pretty sure. But today's a mailbag-only podcast.

Anything else? Oh, yeah, we have a special going on right now. If you go to the volume.com, the merch store. You buy a go-low polo, you get half off a trucker hat. Go-low trucker hat. So if you go to the volume.com, search the merch. We have a deal going on right now. Get a polo, get half off a hat.

Just use the promo code Open 23. As in the U.S. Open, just open 23. And that'll work for you. So you want some go-lo merch. I got an Adidas collared shirt sitting right here. I have my go-low hat on my head. So fire in to the volume.com merch store. appreciate everyone that already has

and we're working on merch and we're figuring out as we go the hats look good. Polo looks good too. Need us. So get on that and we will have a bunch of golf bets coming up on the Golo podcast

here in a day. But let's rock and roll right now. Also, I need you to go to your smartphone and download the GameTime app it's the fastest growing ticketing app in America. Also happens to be the official ticketing app of this podcast.

You want to be, to go to a baseball game this summer, you want to go to a football game this fall, you want to go to a concert, you want to go to a comedy show. Here's what I need you to do. I need you to type in the promo code, J-O-H-N, it's my name, John, and you'll get $20 off any pair of tickets. Very easy to do, promo code John, download the game time app, first-time users, get $20 off anything you want, concerts, comedy shows, games, get on it and do it fast. This is going to be a mailbag-heavy podcast. This is the time of year where I just saw Doug Peterson. He told all of his veteran players, no mandatory minicamp.

You guys go home. I saw on Instagram, Debo Samuel gave some peace signs. See you guys at training camp. This is most teams now and most veteran players are off and running. Having a good time. Now, I also think one theory I have, I've been going to these mini camps and offseason activities for over a decade. they have got less and less strenuous and intense.

I don't think they've ever been probably less physically taxing than they are in 2023, and that will continue. I also think because of the money on the line, and a lot of these players, I mean, such a large percentage of players come from obviously not just Division I programs, Power 5 level programs. These guys are used to being pretty locked and loaded, 365, training on their own, staying in shape.

Because for a long period of time, in pro sports, right, in the 60s, the 70s, the 80s, probably even the 90s, you would just show up that's when you would get in shape at training camp. And I think that is just dramatically different. Now, it probably has, it's positives and negatives, right? Used to, you would stay in physical shape in terms of playing football in the offseason. maybe you were less inclined to get injured. I can't prove that, but I do think there is some merit to that, especially in training camp when you're not really tackling.

But I think from a standpoint of a lot of teams not worrying about guys working too hard in terms of on the practice field, because these guys are in pretty good shape now. And these guys pay so much money because their bodies yield them so much for contracts, right? And getting a second contract in the NFL now is so lucrative. I do wonder if guys are just much more disciplined now, even if you're not the most disciplined human, it's worth it for you to pay your trainers throughout the offseason during OTAs.

And I just wonder if coaches clearly, by their actions, sending guys homes, aren't as worried about keeping them in shape right up until the last day that I can see them for their 30 days off, that they feel pretty confident that guys will continue to work. out, stay in tip-top shape, and be ready to roll when it's time. Let's dive into the mailbag.

Start with Ramel. Mailbag is just my name. At John Middlecoff, Instagram, DM's wide open. Recently discovered your podcast. Love your work. Like this guy already. My question is as someone who is somewhere between a hardcore and casual of the NFL. I've never quite understood exactly what a head coach's responsibility when they have both an

offensive and defensive coordinator and a special teams coach on the team. Can you break that down? I think that's a pretty good question. In my time in the NFL, Andy Reid, actually I guess when I was with him with the Eagles, Marty Morning Wig called plays, though he was pretty involved. When I was at Fresno State with Pat Hill, he didn't do anything. He didn't call the plays on offense and he was an offensive guy, so he had nothing to do with the defense. I think a huge role when you are a John Harbaugh, a Mike Tomlin. I think Pete Carroll plays this, though. I think he's pretty heavily involved with the defense.

I think Jim Harbaugh played this role when he was with the NFL in the NFL and now even at Michigan. Is motivation and writing your coaches to give them organizational, you know, philosophical beliefs on a weekly basis. I think Bill Belichick clearly does this too. To have ideas, you know, of what. we want to do to attack certain teams depending on the week. I think team meetings and the direction of your team, the motivation of individuals, you know, a huge thing Bill Walsh always did. Now, Bill Walsh was the play caller, was ride his assistant coaches really hard because if you rode the position coaches hard, especially in front of the players, that would incentivize them to try to do

better because they didn't want to let down that guy. There is a lot of, you know, I don't want to say busy work, but just in terms of working hand in hand with your GM, I mean, you're dealing with things from what time your plane should leave, what your meals are, a lot of, you know, I don't want to say micromanaging, but you're doing a lot of things at the top of the food chain that coordinators just don't have to worry about,

depending on your team when guys get in trouble, when guys get injured, dealing with your GM of, you know, who we're going to bring up, who we're going to put down on a weekly basis. most coordinators just deal with like who do I have to deal with this week in terms of who am I going to get up or down on game day who is healthy and who are we playing and just devise a game plan where I think head coaches are much more worried about the message to the team that aren't calling plays on a given week if you've played poorly or played well the previous week how to motivate or how to maintain that level of play a practice schedule given on who you're going to play, what your travel schedule is,

the following week. A lot of schedule making when you're the head coach. And then you have to, if you're not calling the plays, you have to find time, you know, a good one, to watch a lot of film on your opponent, to know what you're talking about

with your players and definitely your position coaches and your coordinators. So I think it probably depends on the team. And I do ultimately think, even if you are quote-unquote, you know, Mike Tom, is a good example.

I bet he spends a lot of time with his defensive coordinators and just the defensive side of the ball. That's kind of who he is at his core, right? Now, I also would imagine he spends time with people on his offense that just either needs positive reinforcement that needs to be ridden a little harder. I mean, a huge part of football, like probably a lot of professions,

motivation, motivating your guys, staying on your guys, riding your guys, getting the most out of them, pushing them to places that they don't even see possible. But every single coach in the NFL that's a head coach that's not a play caller does have a side of the ball that's an expertise. Right. So you're just going to lean that side because that's what you know best. Right. If you're the CEO, but you came up as the sales guy or the marketing guy or whatever guy, you're going to lean kind of with that side of the business.

because that's what you're most comfortable with. So, I mean, there are probably a lot of things that I've never been an NFL head coach or a college head coach that doesn't call plays. But, you know, I think I've had some coaches tell me. I remember how to coordinator tell me that his coach, this guy was not a good head coach. Well, actually, he had some moments. People on the staff questioned what he did all day. Like, they had no clue.

Honestly, they joked that he was like plant solitaire. or playing, you know, games on his computer. I guess he had been caught one time doing that. So that was kind of an inside joke. If you're at the office 18 hours a day and you're in the office a lot by yourself, not dealing with the players or not dealing with your coaches, I do think it's fair to question. Like, what are you actually doing?

It would be pretty easy to get lazy in that spot. It would. Especially if you were having some success, like your team was good. what are you actually doing? For the mailbag, love your insight of the game and your business advice. After hearing you talk about the stock market,

what's some advice you have for getting started in investing? One thing I heard a long time ago, I don't know if it was a podcast or it was a book I was reading, is Tony Robbins had given this advice about investing in the stock market, invest in things you use. So let's just think about this logically of, I'm looking at an iPad, talking into a Mac computer with an iPhone

and two pair of AirPods because I put one through the washer and dryer and it ruined it so I had to order a second pair. I don't own Apple, but people would look at you like, how long have you had an iPhone? How long have you had a Mac computer? Wait, you're in the podcast business and you talk, like everything you do

is through that Mac computer. It would probably make logical sense and it definitely would have made financial sense if five, eight, ten years ago I would invest it into Apple. Think about it. Do you watch a lot of Netflix? I bet a lot of people do listen to this. Well, if you've looked at Netflix stock over the last year,

has absolutely ripped. Just think about it like this. If you're someone and you spend an hour a day watching Netflix, you literally use the product every single day. Most people you know, you go, God, do you have Netflix? Do you have Netflix? Every single person I know has Netflix, right?

Or Amazon could fit this. So if you think about some of the main products or companies, that we all use, you know, it's probably going to work out. And if you look at a lot of the ones that are really successful, Amazon, Apple, Netflix is having a ton of success. It works. Now, it doesn't always mean just because a lot of people bank with Wells Fargo that Wells Fargo that Wells Fargo is going to rip.

But I do think, and listen, financial advisors may push back at this. If you invest like that, now companies, if you don't know the inner workings of a company, there could always be like a accounting scandal that could go the wrong way. But I do think if you took it. that tactic just pretty consistently, you'd have some success, right? A lot of people are on Twitter. Twitter stock never budged. A lot of people are on Facebook, and over the years, that thing ripped. So that's kind of the philosophy I take, or businesses that I try to see in the future, right? That's why a lot of people bet on Bitcoin, right? I'm having a lot of success

with SOFi, an internet bank, right? When you think a lot of things that are going to shift, the internet feels much older than it actually is. It's only 20 years old, right? Really, if you think about it over the last like decade, but probably even less than that, how many people are very, very comfortable shopping on the internet? I'm 38 years old. Most people I would say 45, 50-ish and under

have zero hesitation shopping on the internet. So when you think of the way a lot of things are going to go, are we eventually going to buy all of our cars on the internet? are we eventually going to buy our homes on the internet? So when you see things like, and I'm not saying to buy these stocks, and some of them are going different ways, but Zillow, Carvana, you know, you just can kind of like see where the world's going. That's a little bit of a projection and taking like big swings for a draft prospect.

But I don't think it's crazy to look at it like that. I try to. Do you know that Angie's list is now Angie? You're home for everything home? Listen, as someone who's been looking to buy a place and want to do, do big projects once I do close on a house. I don't know where to start. Who am I going to contact? Angie can help you get the best price for your product. They have access to hundreds of thousands of pros and they make it easy to research, compare, and hire pros to ensure the job is done well.

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I was having trouble stopping the muscle growth. Listen to Superhuman on the I-Hard radio app, Apple Podcasts, or wherever you get your podcasts. A win is a win. A win is a win. I don't care which I'm saying. Yep, that's me, Clipper Taylor the 4th. You might have seen the skits, the my journey from basketball to college football or my career in sports media. Well, somewhere along the way, this platform became bigger than I ever imagined. And now I'm bringing all of that excitement

to my brand new podcast, The Clifford Show. This is a place for raw, unfiltered conversations with some of your favorite athletes, creators, and voices that not only deserve to be heard, but celebrated. One week, I'll take you behind the scenes of the biggest moments in sports and entertainment, and the next we'll talk about life, mental health, purpose, and even music. The Clifford Show isn't just a podcast. It's a space for honest conversations, stories that don't always get told, and for people who are chasing something bigger.

So if you've ever supported me or you're just chasing down a dream, this is right what you need to be. Listen to The Clifford show on the IHeart radio app, Apple Podcasts, or wherever you get your podcast. And for more behind the scenes, follow at Clifford and at TikTok Podcast Network on TikTok. Hey, John. You keep saying you have interesting. interviews coming up for football's offseason. You should try to get Mike Tomlin. Coward keeps saying he would love to get him on his show. You should beat him to it.

Well, one thing I know, when these guys go on vacation, Tomlin, you name it. Any football coach or football GM, they ain't doing podcasts, especially with someone like me. So Mike Tomlin, who I do not know, never met the guy. I would love to have him on. Cam Hayward, who came on last year, who I plan hopefully have again on. over the next month of the offseason. But I also understand it's like his offseason too. You know, if I'm one of those guys,

I remember the one time I've heard Tomlin, I've heard him on a couple podcasts. He went on Ryan Clark's, Ryan Clark played for him, and Sean McVease. So it's like, I understand a guy like that. You know, I'm less likely to get him.

And I also often say about this, like my show specifically, is one thing I've really tried to do. And listen, is it to my benefit? Should I go after some big guests? Yeah, I probably should. But every podcast basically has a guest on. One thing I like to do, and whether this is the right business move or not,

you could probably pick holes in it. I've just not really had guests. I tried to give my opinions for an hour, hour and a half, 45 minutes, whatever. Every single podcast I listen to, oh, guests coming up, guest coming up, which is fun. I like listening to some of those. And I need to have some of them on because not much is going to go on over the next month. Hence why I'm doing a mailbag right now.

But one thing I've really tried to do for my show from basically the start of football season, up until the draft is like, I can handle it myself. And like, you come to hear me. Now, if, you know, I get a guess that's worth having on or someone that I really want to talk to, I think it makes a lot of sense. And I got some guys that I'm kind of interested in talking to you. Mike Talloman would definitely be one.

If you know, Mike, tell him we'd love to have him on. Levi, am I the only one who doesn't think McAfee to ESPN will change his show at all? He seems like the typical former player who always takes the player's side and is against the league and the owners. Seems like the only reason people think he's unfiltered in Raw is because he cusses.

If you take that away, his take seemed to line up perfectly with that of ESPN guys are always saying, am I crazy? I like Pat. I think a huge... When you watch his show, it's just... When I think Raw, I'm with you on the swearing,

but I also think he can just kind of do whatever he wants. and part of it is a lot of his guests, you know, I mean, he has really good rapport with Shams Sharania and Ian Arapaport, right? Let's just use those two guys as examples. Well, think of ESPN's two of their biggest employees, Wozge and Schefter. Like, he's going to keep having Shams on against Woz

when ESPN's paying him $10 million. Or he's going to have rap sheet on when Schepter, I mean, it's arguably the greatest newsbreaker in the history of the league. I love Adam. I like Ian too, but that's just part of the deal. That's where I think you start getting into some issues. One thing on the cussing, and I've tried to be cognizant of that, you know, moving forward because I know some of you guys have little kids, you listen to me.

But I talk about I talk, you know, and I try to be careful about that because I don't need to say an F word every other sentence. but it comes out sometimes it comes out and that is 100% if he's on ESPN 2 or ESPN or whatever it is not going to be allowed it's legally just not allowed you're not allowed to swear

on ESPN so I hear you that's a huge difference I saw someone comment on you know sometimes when the volume they cut up what I say right and put it out as social clips and one of the social clip that came out on Monday was my take on

Sequin Barclay, how the Giants, you know, have been a really good business partners. They've paid him $38 million. And if he signs his franchise tag, he'll have made $8 million over six years, which is pretty damn good, given what he's brought to the table, been injured a lot. Had some awesome moments, very talented player. I guess ultimately my take is it's been a win-win. And someone's like, Middokov always takes the side of the teams. No, I just, I look at things very objectively. And I do think a lot of former players do have a hard time just going,

That's a terrible contract. Or that's stupid to not release this player. Or you need to sign this guy because he's some former big name. And I clearly don't do that because I look and I was trained from a front office point of view. Plus, I just think about things logically. If sake, like, I wouldn't advocate over the last couple years. You know what? Derek Henry, not worth it to the Titans.

Of course he is. But I do think you could make an argument. Would the Giants be that much different if you just, put a solid running back on their team or multiple running backs that made a combined $3 million instead of paying Sequin 10. I'm not pro or anti any of these guys. I just look at every situation individually, independently, and make a decision. We're most former players, which I understand.

They always looked at things through the lens of being in the locker room going, we're getting screwed. And sometimes you're just not getting screwed. it's why I appreciate guys whether guys that make a lot of money that are just easy to deal with. Jalen Hertz, Patrick Mahomes, just feels like pretty seamless.

Now, you could argue, of course it was. They were offered enormous amounts of money. But that's just a high-level business partnership on both sides. I have a hard time thinking players that were drafted super high that have made a lot of money are just getting completely railroaded.

They may be quote-unquote underpaid, but even Nick Bosa. You know, he's made $40 million the last four years or whatever. Or I guess he will after the end of his fifth year option. But he's going to get extended. But he's been paid a lot of money. Now relative to top

defensive ends. Yeah, of course not. You know, he's at his position, he's a $25 million player. But there have been guys that are mid-round picks that start playing at a pro bowl level. Like Max Crosby, it's one thing to get screwed making

$8, 9, $10 million. Another thing to get to be like, God, I'm a pro bowler. And I'm making $780,000. So I just try to put things in perspective where I think other former players have a hard time doing that. And I think Pat, I've seen them enough, be able to take both sides, but yes, think who's on a show.

A.J. Pat and Packman Jones. What do you think their perspective is going to be? The third quarterback rule had me thinking. Can you explain more about how in a season's NFL roster works. There's 53-man roster, but also practice squad, but not all 53 dress on game day.

Thanks. So on game day, well, during the season, right, when September, the date changes. It could be September 1st, September 2nd. Whatever the day is you have to cut down your roster. It used to be from like 90 to 80 to 75 to 53. I think now it goes like 90 to 80 and then 80 to 53.

I'm pretty sure. I might have that. Maybe it goes 90 to 75. You have some different cut down dates. There are specific dates, how many people you can have on your roster. And when the season starts, you officially have to get down to 53 men on your roster. If you're one of those 53 guys, you are on the team and paid your salary as an NFL player. So if you're the seventh round pick, you're probably making league minimum, which if you're a rookie, it's like $750,000, $800,000, whatever.

If I make the team as a veteran and I don't have any, you know, quote unquote guaranteed money, but my regular salary is $5 million and I make that 53 man roster. If I'm on the roster week one and I play in that game or I don't play in the game, but I'm just on the roster, I'm getting that $5 million no matter what and it's guaranteed. And then obviously the good players are making the team. So you have 53 men. But just because you make the team, right, if you don't have any guaranteed money or you get injured, I can always remove you from the roster, right?

we have the ability to put you on injured reserve. Those rules have been pretty fluid over the last couple of years, right? It used to be you went on injured reserve, you never came back. Then they changed the rule to like, one guy can come back.

Then they changed the rule, three guys can come back. I'd have to Google what exactly the rule is now. I think it'd even change from last year. Remember, they had some like, maybe three guys you can put on and bring back over the course of the season. I never quite understood this,

but it surely has to do with money. On game day, on game day. you can only have 45 players. Right? So even though you're on the roster, there's a decent chance and you see it anybody that follows their team on game day when the inactives come out

and eight guys are on the inactive list, you get a bunch of guys that are just there on sweats. It's the difference in college and the pro. When you look at a college sideline, right, like when Michigan or Alabama or whoever plays at home week one, there are people everywhere because you've got 100 plus guys on the team. in the NFL, you only actually have 53 guys on the team.

So when you have eight guys and sweats and your practice squad guys who I guess at home are usually on the field too, they've expanded that. It used to be like six guys. Then I went to eight. I'm pretty sure it's 10. But as a practice squad guy, I don't make as much money. So as a practice squad guy, I think, again, this number's changed too. I have to look it up. Maybe it's 120 grand.

Nothing's guaranteed. So I can cut you at any moment. Now, week to week, you make whatever, 10 grand or 12 grand, I guess, maybe it's a little less than that. 8, 8,800. I don't know the exact breakdown. I have to look it up. But you are zero monies guaranteed, right? I can, you know, if I want to cut down at the end of training camp to 53 guys,

but there are a couple guys that I want to put on my practice squad. And once you go through the practice squad, you have to clear waivers, meaning any team in the league can claim you. Well, a lot of teams want you clear waivers to make sure that you stay with them basically pay you like you're on the 53-man roster, but you're on the practice squad. So some guys throughout the league on a practice squad may make $500 grand. Hell, may make a full rookie minimum salary, right?

No different than like the fifth rounder that made the team. But the third quarterback rule is basically saying that instead of eight guys inactive, you get seven guys inactive, and the one guy, a 46 guy on game day, can be the quarterback. So the overwhelming majority of teams, when you're building that 53-man roster, keep two quarterbacks, which you could argue is crazy, is ballsy, whatever, and usually the third quarterback is on the practice squad.

Now, I think teams are going to be more inclined to keep three quarterbacks on the 53-man roster. And sometimes you need three guys that are worthy of it. Like last year of the 49ers, when they re-signed Jimmy Garoppolo, they kept Brock Purdy on the active roster. But so week one, for example, before Trey Lance got hurt. When they flew to Chicago, Trey Lance was a starter. Jimmy Garoplo was the backup,

and Brock Purdy was just standing there in sweats. But he was not, he made the team. He just, if Trey Lance had gotten, injured and Jimmy had gotten in, they don't have another quarterback. Now, every team in the NFL will go into a game with a third guy, right? And they'll usually put that guy. It's why I think most teams are going to keep three quarterbacks on the 53 man roster. I know I talked a lot there. So it's pretty confusing because it doesn't make that much sense. Why can't the NFL? I don't know the answer to this. Just have all 53 guys on your roster all dressed up on game day.

It's usually an extra D lineman, an extra offensive lineman, an extra running back, an extra DB, it's usually a quarterback. Why can't all those guys be dressed on game day? I'm sure it has to do with some money issues with the owners, but I've always thought that was really, really stupid. Why is there so much love for Sean Payton and the disrespect from Mike McCarthy? Their win, loss, and playoff records are identical. The McCarthy only won one Super Bowl with the Hall of Fame quarterback in Rogers can also be said about Peyton with Drew Brees.

Granted, Rogers was a better quarterback, but harder to coach, in my opinion. I would agree to that. He was a lot better. There's a big gap, right? I mean, there's a wide, wide gap. Steph Curry's a Hall of Famer. John Stockton's a Hall of Famer.

There's a wide gap in the two. Like Drew Breeze, respect Drew Breese. Aaron Rogers in a different universe than Drew Breeze. McCarthy took all the heat when the Packers moved off Fav and didn't have an NFL mandated one-year suspension. What am I missing? A lot of us to do with PR campaign. Definitely has a lot of us to do with the PR campaign. Sean Payton's always been very, very good with the media.

He's very good friends, a lot of people in the media. He went to work in the media and seamlessly transitioned pretty easily. I think that plays a pretty big role. Sean Payton is consistently called place. It feels like most of his career. I could be wrong. Saints fans that maybe there were some years when they give that up to any of those guys over the years. I feel like he called him the whole time.

Remember Mike McCarthy went through some stretches in Green Bay where he gave it up, took it back. You know, is there something to McCarthy's look? I don't know. I mean, Andy's big and people like him. Maybe he's just, he's not as tactful the way he deals. with the media. I wonder if it's simply like a huge reason is the way that he deals with the press and deals in the

press conferences, not as smooth. I find him pretty enjoyable. I got no issues with McCarthy. One thing that can't be argued, a lot of bad playoff losses. A lot of bad playoff losses. In Green Bay, some terrible playoff losses. I mean,

gut wrenchers, with Rogers. Sean Payton's had him too. There's like, you know, Drew Brees. Can't even throw deep. Right? McCarthy, think about us two years ago in Dallas, home game against the 49ers,

kind of got worked. Home game against the Niners, got worked. I know the game ended up being close. It wasn't that close. That was a pretty bad loss. But I hear you. You know, number speak for themselves. I think if you polled every GM in the NFL

and you said, would you rather have Mike McCarthy or Sean Payton and you get to run the draft and you get to keep your power. So it's not, it doesn't infringe on your control. I feel like Sean Payton would probably be like 85, 90. I remember at a buddy that offensive coach in the league who never worked with Sean Payton, loved him. Just thought he was a genius.

His concepts, how good he was designing offenses. I don't know if people talk about McCarthy like that. Fair or not. I don't know. Two years ago in the NFL, I think the, Cowboys were the number one offense when the year they lost in the 49ers? He wasn't the offensive coordinator. Curious if you golfed Arizona Grand today, Monday the 12th.

I thought I recognized you guys. You may have been behind us. Ha, just saying what's up, bro. Hope you had a good day. Meant to say what's up, but didn't. Nope, been working. I played golf one time in the last three weeks, so it wasn't me. Must have been a good-looking dude, though.

Can you explain how you? go about getting the seller to buy down the interest rate? Well, it's pretty easy. You know, you got to get them to agree. Let's just pick an even number. Let's say you have a million dollar house. You offer 940. The seller, you know, counters with 105, right? So, you know, you're $100,000 apart. And you know that you think you can get him to bite on the million dollar price point. A lot of times in my experience and watching my girlfriend deal with this, people that are selling a home. Like I sold a condo. Like I wasn't dead set on a price.

I had a price. Then I was like, you know what? I'll take this, get out on it. Some people are very fluid with it. A lot of people listening have probably sold property or been a part of it where you're just, you're dead set on a number because you need a certain amount to buy a future place. Or you need a certain amount for whatever. Sometimes you don't really care. You're just trying to unload the property.

in my experience a lot of people in their mind are kind of dead set on a number so once you kind of get an idea and if you're prepared to pay for that number you go listen i'm we're not on the same page here i'm 950 you're 50 000 over a million how about this i'll pay a million dollars so once the house sells on zillow and everyone can say that he got a million dollars for it but you give me $20,000 in concessions, and those concessions go toward buying down the interest rate. So before you even make a payment, if he accepts, they have put $20,000 toward the interest rate. And let's just pick a number. That interest rate is 7.7%.

Maybe that buys it down to 6.5. Or 6.5 buys it down to 6 flat or 6.25 gets it to 5.75. and a concessions is something that for a long period of time in the housing market, especially in the big cities or the places that are blowing up, there were no concessions given. You got bent over as the buyer. Those days are over. You have a lot of juice. So a lot of times, like you go to a house and the AC needs to be replaced or the roof has

some issues before you just take it as is, you get screwed and you overpay for it. In the middle of, you know, June, 2023, you can. get a little something back. So you go, listen, you can go, I need a new HVAC unit. So you can get them to pay for that at 15 or 20K. Or you can just get them to put it toward your interest rate. Or maybe you can get them to do both. You go, hey, I need, I want 20,000 in concessions. Or I want 30,000 in concessions. We'll put 20 toward the interest rate and we'll split the HVAC unit. Historically, where I'm sitting right now in Scottsdale or for the last decade in the Bay Area, That never happened.

It went, not only you taking my place with a messed up HVAC, I'm giving you no concessions and you're waving all the contingencies. Those days are over. Those days are over. So if you are a buyer, you do have some big time advantages right now. Obviously, the big disadvantage is the interest rate, which is really, really high. Historically, not crazy, but relative to what it was a couple years ago, obviously very shocking. But you got to use that to your advantage.

work the seller, baby. Or work the buyer. I always get that mixed up. No, you are the buyer. Work the seller. And essentially what you're doing is pre-paying the interest. So if a big guy gives $10,000, $20,000, it's prepaying the interest, which usually drops it depending on your price point.

You know, every point I think is considered a quarter point. So for my example, was $6.25, bought down a couple points, got it to like $5.75, which then lowers my payment. I think it lowered my payment, monthly payment by like 500 bucks. I think is what it came out to. Something like that. But it's pre-paying the interest, which historically, you know, post the great financial crisis, shit just was not happening. You know, so you didn't need to, right? You don't need anyone to buy down an interest rate when it's 385, 35, 4, 3-2. When it's mid-six's sevens, it's definitely something that's worth it for all of us that want a lower payment. Appreciate everyone listening.

Have a good week. Golf content coming up. Let's go, baby. Another podcast from some SNL late-night comedy guy, not quite. Unhumor me with Robert Smygel and friends. Me and hilarious guests from Bob Odenkirk to David Letterman help make you funnier. This week, my guest, SNL's Mikey Day and head writer Streeter Seidel, help an a cappella band with their between songs banter.

Where does your group perform? We do some retirement homes. Those people are starving for banter. Listen to humor me with Robert Smigel and friends on the I-Heart Radio app, Apple Podcasts, or wherever you get your podcasts. A win is a win. A win is a win. I don't care which I'll say it.

Yep, that's me. Clifford Taylor the 4th. You might have seen the skits, my basketball and college football journey, or my career in sports media. Well, now I'm bringing all of that excitement to my brand new podcast. The Clifford Show. This is a place for raw, unfills of conversations with athletes, creators, and voices that not only deserve to be heard, but celebrated. So let's get to it.

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